0001823529 2024-01-01 2024-12-31 0001823529 2023-01-01 2023-12-31 0001823529 2022-01-01 2022-12-31 0001823529 2021-01-01 2021-12-31 0001823529 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 ecd:PeoMember 2024-01-01 2024-12-31 0001823529 ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001823529 1 2024-01-01 2024-12-31 0001823529 2 2024-01-01 2024-12-31 0001823529 3 2024-01-01 2024-12-31 iso4217:USD iso4217:USD shares 0001823529 DEF 14A false Enact Holdings, Inc. true <div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%">The Compensation Committee has generally granted annual equity awards each year at its regularly scheduled Compensation Committee meeting during the first quarter of the year. Awards may also be granted at other times throughout the year, generally in instances of new hires or promotions. During 2024, the Compensation Committee did not take into account any material nonpublic information when determining the timing and terms of equity incentive awards, and the Corporation did not time the disclosure of material nonpublic information for the purpose of affecting the value of executive compensation. During 2024, the Corporation did not grant any stock options or stock appreciation rights to the NEOs.</span></div> The Compensation Committee has generally granted annual equity awards each year at its regularly scheduled Compensation Committee meeting during the first quarter of the year. Awards may also be granted at other times throughout the year, generally in instances of new hires or promotions. true During 2024, the Compensation Committee did not take into account any material nonpublic information when determining the timing and terms of equity incentive awards, and the Corporation did not time the disclosure of material nonpublic information for the purpose of affecting the value of executive compensation. false true <div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:5.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.708%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.699%"></td><td style="width:0.1%"></td></tr><tr style="height:23pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Year</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Summary</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Compensation</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Table (“SCT”)</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Compensation</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">for PEO </span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Compensation</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Actually Paid</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">to PEO</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Average</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">SCT Total</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Compensation</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">for Other Non-</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">PEO NEOs</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Average</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Compensation</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Actually Paid to</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Other Non-PEO</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">NEOs</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Value of Initial Fixed $100<br/>Investment Based on:</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Net Income($)</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(thousands)</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Book</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Value per</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Share</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(6)</span></div></td></tr><tr style="height:53pt"><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Cumulative</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Stockholder</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Return</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(“TSR”)</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Peer</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Group</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Cumulative</span></div><div style="text-align:right"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:110%">TSR</span><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:110%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td></tr><tr><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">2024</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$9,960,723</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$19,048,294</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,793,074</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$2,939,328</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$190.95</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$154.79</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$688,068</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$37.46</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">2023</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$8,084,993</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$13,943,630</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,689,010</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$2,307,248</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$166.54</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$133.21</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$665,511</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$33.19</span></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">2022</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$7,853,225</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$9,520,813</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,658,390</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,838,710</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$132.49</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$90.52</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$704,157</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$29.05</span></td></tr><tr><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">2021</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$11,006,561</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$14,078,504</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,875,884</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$1,988,829</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$106.61</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$98.97</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$546,685</span></td><td colspan="3" style="border-bottom:0.75pt solid #dbdbdb;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">$24.70</span></td></tr></table></div> 9960723 19048294 1793074 2939328 190.95 154.79 688068000 37.46 8084993 13943630 1689010 2307248 166.54 133.21 665511000 33.19 7853225 9520813 1658390 1838710 132.49 90.52 704157000 29.05 11006561 14078504 1875884 1988829 106.61 98.97 546685000 24.70 <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">Our PEO in 2021 through 2024 was Mr. Rohit Gupta.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">The non-PEO NEOs included for 2021 through 2024 are: Hardin Dean Mitchell, Evan Stolove, Michael Derstine and Brian Gould.</span> Mr. Rohit Gupta <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">The dollar amounts reported in this column represent the amount of “compensation actually paid” as calculated in accordance with Item 402(v) of SEC Regulation S-K. The following adjustments were made to the PEO’s 2024 total compensation as reported in the SCT and the average of the total compensation for our non-PEO NEOs for 2024 as reported in the SCT to determine the 2024 compensation actually paid to the PEO and the 2024 average compensation actually paid to our non-PEO NEOs, respectively. For purposes of the adjustments below, the fair values of equity awards were calculated consistent with ASC 718 using the same methodology as used to account for share-based payments in the Corporation’s financial statements.</span><div style="margin-top:6pt;padding-left:14.4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.913%"><tr><td style="width:1.0%"></td><td style="width:56.543%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.664%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.596%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.436%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.439%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">Adjustments</span><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">(b)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">PEO</span><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">(a)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">Average for Non-PEO NEOs</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">2024</span></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">2024</span></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">SCT Total</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$9,960,723</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,793,074</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Less, Amounts Reported in the “Stock Awards” Column in the SCT</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-$5,857,813</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-$646,823</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Year End Fair Value of Awards Granted during the Year that Remained Unvested as of Year End</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$8,022,339</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$862,720</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Change in Fair Value from Prior Year End to 2024 Year End for Awards Granted in Prior Years that were Outstanding and Unvested as of 2024 Year End</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$4,846,425</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$592,739</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Change in Fair Value from Prior Year End to Vesting Date for Awards Granted in Prior Years that Vested During the Year</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$836,817</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$176,950</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, Dividends or Other Earnings Paid during the 2024 Fiscal Year that are Not Otherwise Included in Total Compensation</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,239,803</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$160,668</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Total Equity Award Adjustments</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$9,087,571</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,146,254</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Compensation Actually Paid</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">$19,048,294</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">$2,939,328</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr></table></div> <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">The dollar amounts reported in this column represent the amount of “compensation actually paid” as calculated in accordance with Item 402(v) of SEC Regulation S-K. The following adjustments were made to the PEO’s 2024 total compensation as reported in the SCT and the average of the total compensation for our non-PEO NEOs for 2024 as reported in the SCT to determine the 2024 compensation actually paid to the PEO and the 2024 average compensation actually paid to our non-PEO NEOs, respectively. For purposes of the adjustments below, the fair values of equity awards were calculated consistent with ASC 718 using the same methodology as used to account for share-based payments in the Corporation’s financial statements.</span><div style="margin-top:6pt;padding-left:14.4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.913%"><tr><td style="width:1.0%"></td><td style="width:56.543%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.664%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.596%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.436%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.439%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">Adjustments</span><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">(b)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">PEO</span><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">(a)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">Average for Non-PEO NEOs</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">2024</span></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:130%">2024</span></td><td colspan="3" style="border-top:1pt solid #3b5f60;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">SCT Total</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$9,960,723</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,793,074</span></td><td colspan="3" style="border-top:1.25pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Less, Amounts Reported in the “Stock Awards” Column in the SCT</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-$5,857,813</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-$646,823</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Year End Fair Value of Awards Granted during the Year that Remained Unvested as of Year End</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$8,022,339</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$862,720</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Change in Fair Value from Prior Year End to 2024 Year End for Awards Granted in Prior Years that were Outstanding and Unvested as of 2024 Year End</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$4,846,425</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$592,739</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, the Change in Fair Value from Prior Year End to Vesting Date for Awards Granted in Prior Years that Vested During the Year</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$836,817</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$176,950</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plus, Dividends or Other Earnings Paid during the 2024 Fiscal Year that are Not Otherwise Included in Total Compensation</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,239,803</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$160,668</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Total Equity Award Adjustments</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$9,087,571</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">$1,146,254</span></td><td colspan="3" style="border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Compensation Actually Paid</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">$19,048,294</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#33818b;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">$2,939,328</span></td><td colspan="3" style="background-color:#ebf3f5;border-bottom:0.5pt solid #000000;border-top:0.75pt solid #dbdbdb;padding:0 1pt"></td></tr></table></div> 9960723 1793074 -5857813 -646823 8022339 862720 4846425 592739 836817 176950 1239803 160668 9087571 1146254 19048294 2939328 <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">Cumulative TSR is calculated assuming $100 was invested on September 16, 2021, the date our common stock commenced trading on Nasdaq, through the end of the applicable fiscal year. The market cap weighted peer group is the composite peer group consisting of Essent Group Ltd., MGIC Investment Corporation, NMI Holdings, Inc., and Radian Group Inc., used for the stock performance graph reported in our Annual Report on Form 10-K for the fiscal year ended December 31, 2024.</span> <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">The dollar amounts reported for net income are as reflected in Enact’s audited consolidated financial statements for the applicable year.</span> <span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:8.85pt">Book Value per Share is a metric used in our equity incentive program and subject to the following adjustments: Excludes the impact, if any, on reported financial results of any of the following events or items that occur during the performance period: a) accumulated other comprehensive income (loss), b) any dividends declared on Shares, c) repurchases of Shares, d) repurchases of convertible debt, e) certain litigation settlements and judgements, f) changes in foreign exchange rates, and g) changes in accounting principles or other laws or provisions. We review changes in Book Value per Share as a means of evaluating performance during the performance year.</span> Book Value per Share <div style="margin-bottom:6pt;margin-top:10pt"><span style="color:#494949;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compensation Actually Paid versus Total Shareholder Return</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><img alt="3694" src="act-20250328_g99.jpg" style="height:288px;margin-bottom:5pt;vertical-align:text-bottom;width:647px"/></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.598%"><tr><td style="width:1.0%"></td><td style="width:2.978%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.978%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.568%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.304%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.304%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.358%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><img alt="icon_greensquarelegend.jpg" src="act-20250328_g100.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">PEO CAP </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%">   </span><img alt="Chart_Key_DkGreen_Sq.jpg" src="act-20250328_g101.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Average Non-PEO NEO CAP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_Orange_Teal.jpg" src="act-20250328_g102.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Peer TSR </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_Orange_Mark.jpg" src="act-20250328_g103.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Enact TSR</span></td></tr></table></div> <div style="margin-bottom:6pt;margin-top:10pt"><span style="color:#494949;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compensation Actually Paid versus Total Shareholder Return</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><img alt="3694" src="act-20250328_g99.jpg" style="height:288px;margin-bottom:5pt;vertical-align:text-bottom;width:647px"/></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.598%"><tr><td style="width:1.0%"></td><td style="width:2.978%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.978%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.568%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.304%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.304%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.358%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><img alt="icon_greensquarelegend.jpg" src="act-20250328_g100.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">PEO CAP </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%">   </span><img alt="Chart_Key_DkGreen_Sq.jpg" src="act-20250328_g101.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Average Non-PEO NEO CAP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_Orange_Teal.jpg" src="act-20250328_g102.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Peer TSR </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_Orange_Mark.jpg" src="act-20250328_g103.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Enact TSR</span></td></tr></table></div> <div style="margin-bottom:6pt;margin-top:10pt"><span style="color:#494949;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compensation Actually Paid versus Net Income</span></div><div style="text-align:center"><img alt="3720" src="act-20250328_g104.jpg" style="height:288px;margin-bottom:5pt;vertical-align:text-bottom;width:647px"/></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.067%"><tr><td style="width:1.0%"></td><td style="width:4.253%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.253%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:36.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.681%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.814%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><img alt="icon_greensquarelegend.jpg" src="act-20250328_g100.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">PEO CAP </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_DkGreen_Sq.jpg" src="act-20250328_g101.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Average Non-PEO NEO CAP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span><img alt="Chart_Key_Orange_Mark.jpg" src="act-20250328_g103.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Net Income</span></td></tr></table></div> <div style="margin-bottom:6pt;margin-top:10pt"><span style="color:#494949;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compensation Actually Paid versus Book Value Per Share</span></div><div style="text-align:center"><img alt="3756" src="act-20250328_g105.jpg" style="height:288px;margin-bottom:5pt;vertical-align:text-bottom;width:647px"/></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:74.382%"><tr><td style="width:1.0%"></td><td style="width:4.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.099%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:36.036%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.501%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.592%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><img alt="icon_greensquarelegend.jpg" src="act-20250328_g100.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">PEO CAP </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><img alt="Chart_Key_DkGreen_Sq.jpg" src="act-20250328_g101.jpg" style="height:14px;margin-bottom:5pt;vertical-align:text-bottom;width:14px"/><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Average Non-PEO NEO CAP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:130%">  </span><img alt="Chart_Key_Orange_Mark.jpg" src="act-20250328_g103.jpg" style="height:7px;margin-bottom:5pt;vertical-align:text-bottom;width:19px"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Book Value Per Share</span></td></tr></table></div> <div style="margin-bottom:4pt;margin-top:4pt;padding-left:10.8pt;text-indent:-10.8pt"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:110%">•</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%;padding-left:7.65pt">Book Value per Share </span></div><div style="margin-bottom:4pt;margin-top:4pt;padding-left:10.8pt;text-indent:-10.8pt"><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:110%">•</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%;padding-left:7.65pt">Adjusted Operating Income </span></div><span style="color:#3b5f60;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:110%">•</span>Adjusted Return on Equity Book Value per Share Adjusted Operating Income Adjusted Return on Equity