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, 2026, we operate under the name “Regional Finance” online and in 354 branch locations in 20 states across the United States, serving 559,500 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 offer loans directly through our state-licensed operations and, in select states, through our bank partnership program with Column, under which Column is the lender and we act as Column’s service provider and program manager. For loans offered under the bank partnership program, we process applications under a credit policy approved by Column. 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 also purchase loans that Column offers for sale pursuant to a purchase agreement with Column, except in limited circumstances. 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:

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Large Loans (>$2,500) – As of September 30, 2026, we had 300.3 thousand large installment loans outstanding, representing $1.7 billion in net finance receivables. This included 89.9 thousand large loan convenience checks, representing $319.1 million in net finance receivables.

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Small Loans (≤$2,500) – As of September 30, 2026, we had 259.2 thousand small installment loans outstanding, representing $467.9 million in net finance receivables. This included 131.2 thousand small loan convenience checks, representing $198.1 million in net finance receivables.

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

Our core products are large and small installment loans. 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.