# EDGAR Filing Document

**Accession Number:** 0001741129
**File Stem:** 0001741129-25-000006
**Filing Date:** 2025-11
**Character Count:** 22392
**Document Hash:** e4b5cdcd5e2d58b160b28c19079d2c3e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001741129-25-000006.hdr.sgml**: 20251106

**ACCESSION NUMBER**: 0001741129-25-000006

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20251106

**DATE AS OF CHANGE**: 20251106

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** KINGSWAY FINANCIAL SERVICES INC
- **CENTRAL INDEX KEY:** 0001072627
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 999999999
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-78501
- **FILM NUMBER:** 251456798

**BUSINESS ADDRESS:**
- **STREET 1:** 10 S. RIVERSIDE PLAZA
- **STREET 2:** SUITE 1520
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60606
- **BUSINESS PHONE:** (312) 766-2144

**MAIL ADDRESS:**
- **STREET 1:** 10 S. RIVERSIDE PLAZA
- **STREET 2:** SUITE 1520
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60606
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Greenhaven Road Investment Management, L.P.
- **CENTRAL INDEX KEY:** 0001741129

**ORGANIZATION NAME:**
- **EIN:** 364837161
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G

**BUSINESS ADDRESS:**
- **STREET 1:** 8 SOUND SHORE DRIVE
- **STREET 2:** SUITE 210
- **CITY:** GREENWICH
- **STATE:** CT
- **ZIP:** 06830
- **BUSINESS PHONE:** 2035698920

**MAIL ADDRESS:**
- **STREET 1:** 8 SOUND SHORE DRIVE
- **STREET 2:** SUITE 210
- **CITY:** GREENWICH
- **STATE:** CT
- **ZIP:** 06830

## Ex-99

**EXHIBIT 99.1**

**JOINT FILING AGREEMENT** 

**November 6, 2025**

Pursuant to and in accordance with the Securities Exchange Act of 1934, as amended (the "***Exchange Act***"), and the rules and regulations thereunder, each party hereto hereby agrees to the joint filing, on behalf of each of them, of any filing required by such party under Section 13 or Section 16 of the Exchange Act or any rule or regulation thereunder (including any amendment, restatement, supplement, and/or exhibit thereto) with the Securities and Exchange Commission (and, if such security is registered on a national securities exchange, also with the exchange), and further agrees to the filing, furnishing, and/or incorporation by reference of this agreement as an exhibit thereto. This agreement shall remain in full force and effect until revoked by any party hereto in a signed writing provided to each other party hereto, and then only with respect to such revoking party.

IN WITNESS WHEREOF, each party hereto, being duly authorized, has caused this agreement to be executed and effective as of the date first written above.

---

| | | |
|:---|:---|:---|
| Date: November 6, 2025 | **Greenhaven Road Investment Management, L.P.** | **Greenhaven Road Investment Management, L.P.** |
|  | By: | MVM Funds, LLC |
|  | Its: | General Partner |
|  | By: | /s/ Scott Miller |
|  | Name: | Scott Miller |
|  | Title: | Authorized Signatory |
|  | **MVM Funds, LLC** | **MVM Funds, LLC** |
|  | By: | /s/ Scott Miller |
|  | Name: | Scott Miller |
|  | Title: | Authorized Signatory |
|  | **Greenhaven Road Capital Fund 1, L.P.** | **Greenhaven Road Capital Fund 1, L.P.** |
|  | By: | MVM Funds, LLC |
|  | Its: | General Partner |
|  | By: | /s/ Scott Miller |
|  | Name: | Scott Miller |
|  | Title: | Authorized Signatory |
|  | **Greenhaven Road Capital Fund 2, L.P.** | **Greenhaven Road Capital Fund 2, L.P.** |
|  | By: | MVM Funds, LLC |
|  | Its: | General Partner |
|  | By: | /s/ Scott Miller |
|  | Name: | Scott Miller |
|  | Title: | Authorized Signatory |
|  | **Scott Miller** | **Scott Miller** |
|  | /s/ Scott Miller | /s/ Scott Miller |

---

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**Issuer:** KINGSWAY FINANCIAL SERVICES INC

**Title of Class of Securities:** Common Stock, par value $0.01 per share

**CUSIP Number:** 496904202

**Date of Event Which Requires Filing of this Statement:** 10/30/2025

**Check the appropriate box to designate the rule pursuant to which this Schedule is filed:**

- [ ] Rule 13d-1(b)

- [x] Rule 13d-1(c)

- [ ] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>Greenhaven Road Investment Management, L.P. | Names of Reporting Persons<br>Greenhaven Road Investment Management, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>DE | Citizenship or Place of Organization<br>DE |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1970536.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1970536.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>6.8% | Percent of Class Represented by Amount in Row (9)<br>6.8% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** (1) The figures in Items 6, 8, and 9 include 660,000 shares of common stock, par value $0.01 per share ("Common Stock") of the Issuer that may be acquired by certain Reporting Persons within 60 days pursuant to an option agreement with a third-party to acquire shares of Common Stock (the "Option Agreement").
(2) The figure in Item 11 is based upon 28,873,415 shares of Common Stock outstanding as of August 7, 2025, as disclosed in the Issuer's quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, filed on August 7, 2025, by the Issuer with the U.S. Securities and Exchange Commission (the "SEC").

---

| 1. | Names of Reporting Persons<br>MVM Funds LLC | Names of Reporting Persons<br>MVM Funds LLC |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>NY | Citizenship or Place of Organization<br>NY |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1970536.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1970536.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>6.8% | Percent of Class Represented by Amount in Row (9)<br>6.8% |
| 12. | Type of Reporting Person (See Instructions)<br>OO | Type of Reporting Person (See Instructions)<br>OO |

**Comment for Type of Reporting Person:** (1) The figures in Items 6, 8, and 9 include 660,000 shares of Common Stock of the Issuer that may be acquired by certain Reporting Persons within 60 days pursuant to the Option Agreement.
(2) The figure in Item 11 is based upon 28,873,415 shares of Common Stock outstanding as of August 7, 2025, as disclosed in the Issuer's quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, filed on August 7, 2025, by the Issuer with the SEC.

---

| 1. | Names of Reporting Persons<br>Greenhaven Road Capital Fund 1, L.P. | Names of Reporting Persons<br>Greenhaven Road Capital Fund 1, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>DE | Citizenship or Place of Organization<br>DE |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>915059.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>915059.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>915059.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>915059.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>3.2% | Percent of Class Represented by Amount in Row (9)<br>3.2% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** (1) The figures in Items 6, 8, and 9 include 306,504 shares of Common Stock of the Issuer, which is Fund 1's current allocable portion of the 660,000 shares of Common Stock of the Issuer that may be acquired within 60 days pursuant to the Option Agreement, which allocation is subject to change as determined by the Investment Manager in accordance with its allocation policies and procedures.
(2) The figure in Item 11 is based upon 28,873,415 shares of Common Stock outstanding as of August 7, 2025, as disclosed in the Issuer's quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, filed on August 7, 2025, by the Issuer with the SEC.

---

| 1. | Names of Reporting Persons<br>Greenhaven Road Capital Fund 2, L.P. | Names of Reporting Persons<br>Greenhaven Road Capital Fund 2, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>DE | Citizenship or Place of Organization<br>DE |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1055477.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1055477.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1055477.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1055477.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>3.7% | Percent of Class Represented by Amount in Row (9)<br>3.7% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** (1) The figures in Items 6, 8, and 9 include 353,496 shares of Common Stock of the Issuer, which is Fund 2's current allocable portion of the 660,000 shares of Common Stock of the Issuer that may be acquired within 60 days pursuant to the Option Agreement, which allocation is subject to change as determined by the Investment Manager in accordance with its allocation policies and procedures.
(2) The figure in Item 11 is based upon 28,873,415 shares of Common Stock outstanding as of August 7, 2025, as disclosed in the Issuer's quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, filed on August 7, 2025, by the Issuer with the SEC.

---

| 1. | Names of Reporting Persons<br>Miller Scott Stewart | Names of Reporting Persons<br>Miller Scott Stewart |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>X1 | Citizenship or Place of Organization<br>X1 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1970536.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1970536.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1970536.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>6.8% | Percent of Class Represented by Amount in Row (9)<br>6.8% |
| 12. | Type of Reporting Person (See Instructions)<br>IN | Type of Reporting Person (See Instructions)<br>IN |

**Comment for Type of Reporting Person:** (1) The figures in Items 6, 8, and 9 include 660,000 shares of Common Stock of the Issuer that may be acquired by certain Reporting Persons within 60 days pursuant to the Option Agreement.
(2) The figure in Item 11 is based upon 28,873,415 shares of Common Stock outstanding as of August 7, 2025, as disclosed in the Issuer's quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, filed on August 7, 2025, by the Issuer with the SEC.

---

**Item 1(a). Name of Issuer:**
KINGSWAY FINANCIAL SERVICES INC

**Item 1(b). Address of Issuer's Principal Executive Offices:**
10 S. RIVERSIDE PLAZA, SUITE 1520, CHICAGO, ILLINOIS, 60606.

**Item 2(a). Name of Person Filing:**
This Schedule 13G (this "Statement") is jointly filed by and on behalf of each of  (1) Greenhaven Road Investment Management, LP, a Delaware limited partnership (the "Investment Manager"); (2) MVM Funds, LLC, a New York limited liability company (the "General Partner"); (3) Greenhaven Road Capital Fund 1, L.P., a Delaware limited partnership ("Fund 1"); (4) Greenhaven Road Capital Fund 2, L.P., a Delaware limited partnership ("Fund 2", and together with Fund 1, the "Funds"); and (5) Scott Miller (each of the foregoing, a "Reporting Person" and collectively, the "Reporting Persons"). Subject to the Investment Manager's allocation of any shares of Common Stock of the Issuer acquired by the Investment Manager pursuant to the Option Agreement, the Funds are the record and direct beneficial owners of the securities covered by this Statement.  The General Partner is the general partner of, and may be deemed to indirectly beneficially own securities owned by, the Investment Manager and both of the Funds. Mr. Miller is the manager of, and may be deemed to indirectly beneficially own securities owned by, the General Partner. The Investment Manager is the investment manager of, and may be deemed to indirectly beneficially own securities owned by, both of the Funds. Each Reporting Person disclaims beneficial ownership of the shares of Common Stock held directly by the other Reporting Persons.

Each Reporting Person declares that neither the filing of this Statement nor anything herein shall be construed as an admission that such Reporting Person is, for the purposes of Section 13(d) or 13(g) of the Act or any other purpose, the beneficial owner of any securities covered by this statement.

Each Reporting Person may be deemed to be a member of a group with respect to the Issuer or securities of the Issuer for the purposes of Section 13(d) or 13(g) of the Act. Each of the Reporting Persons declares that neither the filing of this Statement nor anything herein shall be construed as an admission that such Reporting Person is, for the purposes of Section 13(d) or 13(g) of the Act or any other purpose, (i) acting (or has agreed or is agreeing to act together with any other person) as a partnership, limited partnership, syndicate, or other group for the purpose of acquiring, holding, or disposing of securities of the Issuer or otherwise with respect to the Issuer or any securities of the Issuer or (ii) a member of any group with respect to the Issuer or any securities of the Issuer.

**Item 2(b). Address of Principal Business Office:**
The address of the principal business office of each Reporting Person is 8 Sound Shore Drive, Suite 210, Greenwich, CT 06830.

**Item 2(c). Citizenship:**
See Item 4 on the cover pages hereto.

**Item 2(d). Title of Class of Securities:**
Common Stock, par value $0.01 per share

**Item 2(e). CUSIP Number:**
496904202

**Item 3. If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:**

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

(d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [ ] An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f) [ ] An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g) [ ] A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j) [ ] A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), if filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:

(k) [ ] Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

**Item 4. Ownership:**

**(a) Amount beneficially owned:**

See Item 9 on the cover pages hereto.

**(b) Percent of class:**

See Item 11 on the cover pages hereto.

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

See Item 5 on the cover pages hereto.

**(ii) Shared power to vote or to direct the vote:**

See Item 6 on the cover pages hereto.

**(iii) Sole power to dispose or to direct the disposition of:**

See Item 7 on the cover pages hereto.

**(iv) Shared power to dispose or to direct the disposition of:**

See Item 8 on the cover pages hereto.

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Not Applicable

**Item 7. Identification and Classification of the Subsidiary**

Not Applicable

**Item 8. Identification and Classification of Members of the Group**

Not Applicable

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Greenhaven Road Investment Management, L.P.**

**Date:** 11/06/2025

**By:** /s/ Scott Miller

**Name & Title:** Scott Miller, Authorized Signatory

**MVM Funds LLC**

**Date:** 11/06/2025

**By:** /s/ Scott Miller

**Name & Title:** Scott Miller, Authorized Signatory

**Greenhaven Road Capital Fund 1, L.P.**

**Date:** 11/06/2025

**By:** /s/ Scott Miller

**Name & Title:** Scott Miller, Authorized Signatory

**Greenhaven Road Capital Fund 2, L.P.**

**Date:** 11/06/2025

**By:** /s/ Scott Miller

**Name & Title:** Scott Miller, Authorized Signatory

**Miller Scott Stewart**

**Date:** 11/06/2025

**By:** /s/ Scott Miller

**Name & Title:** Scott Miller, Authorized Signatory