Interest Rate Risk Our variable rate debt, which includes our Floor Plan Facilities, Revolving Credit Facility, Mortgage Facility, Sidecar Facility, Bridge Facility and certain notes to finance companies, exposes us to risks caused by fluctuations in interest rates. The total outstanding balance of our variable rate debt was $2.6 billion at June 30, 2026. Based on that amount, a 1.0% change in the underlying interest rates would affect interest expense by $12.9 million over a six month period. Of that amount, $9.9 million would have resulted from the floor plan, net of offset. 87 SONIC AUTOMOTIVE, INC.