Regional Management Corp.

We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of September 30, 2025, we operate under the name “Regional Finance” online and in 349 branch locations in 19 states across the United States, serving 585,400 active accounts. Most of our loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. We source our loans through our omni-channel platform, which includes our branches, centrally-managed direct mail campaigns, digital partners, and our consumer website. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support of centralized sales, underwriting, service, collections, and administrative teams. This model provides us with frequent contact with our customers, which we believe improves our credit performance and customer loyalty. Our goal is to consistently grow our finance receivables and to soundly manage our portfolio risk, while providing our customers with attractive and easy-to-understand loan products that serve their varied financial needs.

Our products include:

•

Large Loans (>$2,500) – As of September 30, 2025, we had 280.4 thousand large installment loans outstanding, representing $1.5 billion in net finance receivables. This included 78.2 thousand large loan convenience checks, representing $236.0 million in net finance receivables.

•

Small Loans (≤$2,500) – As of September 30, 2025, we had 305.0 thousand small installment loans outstanding, representing $540.9 million in net finance receivables. This included 161.0 thousand small loan convenience checks, representing $248.0 million in net finance receivables.

•

Optional Insurance Products – We offer optional payment and collateral protection insurance to our direct loan customers.

Large and small installment loans are our core products and will be the drivers of future growth. Our primary sources of revenue are interest and fee income from our loan products, of which interest and fees relating to large and small installment loans are the largest component. In addition to interest and fee income from loans, we earn revenue from optional insurance products purchased by customers of our loan products.