Company: CPSS
Filing Date: 2025-10-28
Form Type: DEF 14A
Source: 0001683168-25-007815
Chunk: 5

Company: CONSUMER PORTFOLIO SERVICES, INC.
Filing Date: 2025-10-28
Form: DEF 14A
Chunk 5
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, banks, or other nominees have
authority to vote shares for which their customers do not provide voting instructions on certain “routine” matters. The ratification
of an accounting firm is an example of a routine matter. If you do not provide voting instructions to your brokers, banks, or other nominees,
the broker, bank, or other nominee may either: (1) vote your shares on routine matters, or (2) leave your shares unvoted. We encourage
you to provide instructions to your broker, bank, or other nominee by signing and returning your voting instruction card provided by such
broker, bank, or other nominee. This ensures your shares will be voted at the Annual Meeting. When a broker, bank, or other nominee votes
its customers’ unvoted shares on routine matters, these shares are counted for purposes of establishing a quorum to conduct business
at the Annual Meeting and determining the outcome of the vote on routine matters.

Q: CAN I CHANGE MY MIND AND REVOKE MY PROXY?

A: Yes. Any shareholder who executes and returns a proxy may revoke
it at any time prior to the voting of the proxy by giving written notice to the Secretary of the Company, by executing a later-dated proxy,
or by attending the meeting and giving oral notice of revocation to the Secretary of the Company. If your shares are held in “street
name” through a broker, bank or other nominee, please contact them for information on how to revoke your voting instructions.

Q: CAN I VOTE MY SHARES IN PERSON?

A: Yes. The Annual Meeting is open to all holders of CPS Common
Stock as of the Record Date. To vote in person, you will need to attend the Annual Meeting and bring with you evidence of your stock ownership.
If your shares are registered directly in your name, you will need to bring valid government-issued identification. If your shares are held in the name of your broker, bank or another nominee, you will need to obtain and bring with you a “legal proxy”
from your broker, bank or nominee, and bring evidence of your stock ownership, together with valid identification.

Q: DO I HAVE DISSENTERS’ RIGHTS?

A: No. There are no “dissenters’ rights” applicable
to any of the proposals presented in this proxy statement.

Q: WHO IS PAYING FOR THIS PROXY SOLICITATION?

A: Our Board is making this solicitation, and we will pay the entire
cost of preparing, assembling, printing