A Letter to Our Investors

April 4, 2025

Dear Investors,

You are surely aware that yesterday we saw the largest single-day stock market drop in five years. We here at ManFinCo are always thinking about how to assure you, our customers, that your investments are sound, particularly during what may sometimes seem to feel like somehow a somewhat unpredictable environment.

Firstly, we should emphasize that the stock market is not the economy. While the economy is about how real people experience money, the stock market is about you. While we all know the economy generally gets worse over time, we also know the stock market generally improves. We see yesterday as only a temporary wrinkle in that larger, long-term picture.

Still, world events and geopolitics are real factors with which we must contend. Rest assured that several members of our senior leadership team are working closely with administration officials at the highest level. We retain full confidence in the diligence and expertise of those selfless public servants.

Finally, a word about money. What is it, really? Have you ever see it in large quantities anywhere other than on a computer screen, or perhaps in a cash register? When we have less, we tend to value what we have even more. In that sense, we here at ManFinCo have never felt richer.

With gratitude,

Ted Manfinius

CEO & Chair, ManFinCo