Investor Presentaiton

Drive Growth Through Optimization of Finance & Insurance Significant Organic Growth Opportunities Dedicated F&I team with in-house training team to educate dealership network on standardized product portfolio and sales process Ten consecutive quarters of year-over-year growth in Same Store F&I Gross Profit / Retail Unit 32 32 Same Store F&I Gross Profit ($M) ] 46 41 36 36 33 31 29 F&I Gross Margins +93% Q2 Q3 Q4 2019 2020 2021 Q1 Same Store F&I Gross Profit / Retail Unit ($ / Unit) +18% +3% +13% +15% 3,085 2,678 2,783 2,672 2,447 2,521 2,468 2,268 Q2 Q3 Q4 Q1 10 2019 2020 2021 OPPORTUNITY: Capture additional high margin F&I revenue through best in class operational performance AutoCanada 11

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