# EDGAR Filing Document

**Accession Number:** 0001519401
**File Stem:** 0001193125-25-274519
**Filing Date:** 2025-11
**Character Count:** 100887
**Document Hash:** a5d2cd00721ffaba341471ed219a3583
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-274519.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001193125-25-274519

**CONFORMED SUBMISSION TYPE**: S-8

**PUBLIC DOCUMENT COUNT**: 16

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Regional Management Corp.
- **CENTRAL INDEX KEY:** 0001519401
- **STANDARD INDUSTRIAL CLASSIFICATION:** PERSONAL CREDIT INSTITUTIONS [6141]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 570847115
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-291430
- **FILM NUMBER:** 251467262

**BUSINESS ADDRESS:**
- **STREET 1:** 979 BATESVILLE ROAD
- **STREET 2:** SUITE B
- **CITY:** GREER
- **STATE:** SC
- **ZIP:** 29651
- **BUSINESS PHONE:** 864-448-7000

**MAIL ADDRESS:**
- **STREET 1:** 979 BATESVILLE ROAD
- **STREET 2:** SUITE B
- **CITY:** GREER
- **STATE:** SC
- **ZIP:** 29651

**As filed with the Securities and Exchange Commission on November 10, 2025**

 **Registration No. 333-**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

______________________

**FORM S-8**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933**

______________________

**REGIONAL MANAGEMENT CORP.**

**(Exact name of registrant as specified in its charter)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Delaware**<br>**(State or other jurisdiction of**<br>**incorporation or organization)** | &nbsp;&nbsp;**57-0847115**<br>**(I.R.S. Employer**<br>**Identification No.)** |
| &nbsp;&nbsp; <br>**979 Batesville Road, Suite B**<br>**Greer, South Carolina 29651**<br>**(Address of Principal Executive Offices)** | &nbsp;&nbsp; <br>**29651**<br>**(Zip Code)** |

---

**RESTRICTED STOCK AWARD AGREEMENT (Inducement Grant)**

**PERFORMANCE RESTRICTED STOCK UNIT AWARD AGREEMENT (Inducement Grant)** 

**(Full title of the plan)**

**Catherine R. Atwood**

**Senior Vice President, General Counsel, and Secretary**

**Regional Management Corp.**

**979 Batesville Road, Suite B**

**Greer, South Carolina 29651**

**(864) 448-7000**

**(Name, address, and telephone number, including area code, of agent for service)**

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Large accelerated filer  | &nbsp;&nbsp;☐  | &nbsp;&nbsp;Accelerated filer  | &nbsp;&nbsp;☒  |
| &nbsp;&nbsp;Non-accelerated filer  | &nbsp;&nbsp;☐  | &nbsp;&nbsp;Smaller reporting company  | &nbsp;&nbsp;☐  |
|  |  | &nbsp;&nbsp;Emerging growth company  | &nbsp;&nbsp;☐  |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ☐

------

**EXPLANATORY NOTE**

This Registration Statement is being filed for the registration of 120,000 shares of common stock, $0.10 par value per share ("<u>Common Stock</u>") of Regional Management Corp. (the "<u>Company</u>" or the "<u>Registrant</u>") which is the maximum number of shares that may be issued upon (i) the vesting of restricted stock awards, in accordance with the terms of Restricted Stock Award Agreements (Inducement Grant), by and between the Company and Lakhbir S. Lamba (each a "<u>Restricted Stock Inducement Award</u>") and (ii) the vesting and settlement of performance restricted stock units, in accordance with the terms of the Performance Restricted Stock Unit Award Agreement (Inducement Grant), by and between the Company and Mr. Lamba (the "<u>Performance Restricted Stock Unit Inducement Award</u>" and together with the Restricted Stock Inducement Award, the "<u>Employment Inducement Awards</u>"). An initial Restricted Stock Inducement Award is expected to be granted on November 10, 2025, and a separate Restricted Stock Inducement Award and the Performance Restricted Stock Unit Inducement Award are expected to be granted during the Company's fiscal quarter ending March 31, 2026. The Employment Inducement Awards are intended to be granted under the employment inducement award exemption under the New York Stock Exchange Listed Company Manual Rule 303A.08.

**PART I**

**INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS**

The information specified in Items 1 and 2 of Part I of the Form S-8 is omitted from this filing in accordance with the provisions of Rule 428 under the Securities Act of 1933, as amended (the "<u>Securities Act</u>"), and the introductory note to Part I of the Form S-8. The document(s) containing the information specified in Part I of Form S-8 will be given to Mr. Lamba, as required by Rule 428 under the Securities Act. Such documents are not being filed with the Securities and Exchange Commission (the "<u>Commission</u>") either as part of this Registration Statement or as prospectuses or prospectus supplements pursuant to Rule 424. These documents and the documents incorporated by reference in this Registration Statement pursuant to Item 3 of Part II hereof, taken together, constitute a prospectus that meets the requirements of Section 10(a) of the Securities Act.

**PART II**

**INFORMATION REQUIRED IN THE REGISTRATION STATEMENT**

**Item 3. Incorporation of Documents by Reference.**

The following documents, which have previously been filed by the Company with the Commission, are incorporated by reference herein and shall be deemed to be a part hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Company's [<u>Annual Report on Form 10-K</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025024903/rm-20241231.htm) for the fiscal year ended December 31, 2024 filed on February 21, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)The information specifically incorporated by reference into the Annual Report on Form 10-K for the fiscal year ended December 31, 2024 from the Company's [<u>Definitive Proxy Statement</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025052551/rm-20250409.htm) on Schedule 14A filed on April 9, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)The Company's [<u>Quarterly Report on Form 10-Q</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025062837/rm-20250331.htm) for the fiscal quarter ended March 31, 2025 filed on May 2, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)The Company's [<u>Quarterly Report on Form 10-Q</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025101457/rm-20250630.htm) for the fiscal quarter ended June 30, 2025 filed on August 1, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)The Company's [<u>Quarterly Report on Form 10-Q</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000119312525269725/rm-20250930.htm) for the fiscal quarter ended September 30, 2025 filed on November 6, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)The Company's Current Reports on Form 8-K filed on [<u>February 5, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025014509/rm-20250131.htm) (except for the disclosure under Item 2.02), [<u>March 13, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025038783/rm-20250313.htm), [<u>March 19, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025042052/rm-20250317.htm), [<u>April 2, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025049532/rm-20250331.htm) (except for the disclosure under Item 7.01), [<u>April 30, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025061093/rm-20250430.htm) (except for the disclosure under Item 2.02), [<u>May 21, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025075845/rm-20250515.htm), [<u>July 30, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025100271/rm-20250730.htm) (except for the disclosure under Item 2.02), [<u>August 25, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000095017025111237/rm-20250819.htm), [<u>October 29, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/1519401/000119312525256443/rm-20251023.htm) (except for

------

the disclosure under Item 7.01), and [<u>November 5, 2025</u>](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001519401/000119312525267026/rm-20251030.htm) (except for the disclosure under Item 2.02); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)The description of the Company's Common Stock contained in [<u>Exhibit 4.4</u>](https://www.sec.gov/Archives/edgar/data/1519401/000119312520073232/d860904dex44.htm) to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2019, filed on March 16, 2020, including any amendment or report filed for the purpose of updating such description.

All reports and/or documents filed by the Company with the Commission under Sections 13(a), 13(c), 14, and 15(d), as applicable, of the Securities Exchange Act of 1934, as amended (the "<u>Exchange Act</u>"), except for such reports and/or documents (or portions thereof) that are only "furnished" to the Commission or that are otherwise not deemed to be filed with the Commission pursuant to such Exchange Act sections, subsequent to the date hereof and prior to the filing of a post-effective amendment to this Registration Statement which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of such filing.

Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for the purposes of this Registration Statement to the extent that a statement contained herein or in any other subsequently filed document which also is or deemed to be incorporated by reference herein modifies or supersedes such statement. Any statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.

**Item 6. Indemnification of Directors and Officers.** 

Section 102(b)(7) of the General Corporation Law of the State of Delaware (the "<u>DGCL</u>") allows a corporation to provide in its certificate of incorporation that a director or officer of the corporation will not be personally liable to the corporation or its stockholders for monetary damages for breach of fiduciary duty as a director or officer, provided that such provision shall not eliminate or limit the liability of: (i) a director or officer for any breach of the director's or officer's duty of loyalty to the corporation or its stockholders; (ii) a director or officer for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii) a director under Section 174 of the DGCL; (iv) a director or officer for any transaction from which the director or officer derived an improper personal benefit; or (v) an officer in any action by or in the right of the corporation. The Company's amended and restated certificate of incorporation provides that no director of the Company will have any personal liability to the Company or its stockholders for monetary damages for any breach of fiduciary duty as a director, except to the extent such exemption from liability or limitation thereof is not permitted under the DGCL.

Section 145 of the DGCL, or Section 145, provides that a Delaware corporation may indemnify any person who was, is or is threatened to be made, party to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action by or in the right of such corporation), by reason of the fact that such person is or was an officer, director, employee, or agent of such corporation, or is, or was serving at the request of such corporation as a director, officer, employee, or agent of another corporation or enterprise. The indemnity may include expenses (including attorneys' fees), judgments, fines, and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit, or proceeding, provided such person acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the corporation's best interests and, with respect to any criminal action or proceeding, had no reasonable cause to believe that his or her conduct was illegal. A Delaware corporation may indemnify any persons who were or are a party to any threatened, pending, or completed action or suit by or in the right of the corporation by reason of the fact that such person is or was a director, officer, employee, or agent of another corporation or enterprise. The indemnity may include expenses (including attorneys' fees) actually and reasonably incurred by such person in connection with the defense or settlement of such action or suit, provided such person acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the corporation's best interests, provided that no indemnification is permitted without judicial approval if the officer, director, employee, or agent is adjudged to be liable to the corporation. Where an officer or director is successful

------

on the merits or otherwise in the defense of any action referred to above, the corporation must indemnify him against the expenses which such officer or director has actually and reasonably incurred.

Section 145 further authorizes a corporation to purchase and maintain insurance on behalf of any person who is or was a director, officer, employee, or agent of the corporation or is or was serving at the request of the corporation as a director, officer, employee, or agent of another corporation, or enterprise, against any liability asserted against him or her and incurred by him or her in any such capacity, or arising out of his or her status as such, whether or not the corporation would otherwise have the power to indemnify him or her under Section 145.

The Company's second amended and restated by-laws provide that the Company must indemnify its directors and officers to the fullest extent authorized by the DGCL and must also pay expenses incurred in defending any such proceeding in advance of its final disposition upon delivery of an undertaking, by or on behalf of an indemnified person, to repay all amounts so advanced if it should be determined ultimately that such person is not entitled to be indemnified under this section or otherwise.

The indemnification rights set forth above shall not be exclusive of any other right which an indemnified person may have or hereafter acquire under any statute, provision of the Company's amended and restated certificate of incorporation, the Company's second amended and restated by-laws, agreement, vote of stockholders or disinterested directors, or otherwise.

The Company maintains standard policies of insurance that provide coverage (i) to its directors and officers against loss rising from claims made by reason of breach of duty or other wrongful act and (ii) to the Company with respect to indemnification payments that it may make to such directors and officers.

**Item 8. Exhibits**.

The following exhibits are filed on behalf of the Company as part of this Registration Statement:

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 4.1 | [<u>Amended and Restated Certificate of Incorporation of Regional Management Corp. (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K filed on April 2, 2012)</u>](https://www.sec.gov/Archives/edgar/data/1519401/000119312512146252/d328670dex31.htm) |
| 4.2 | [<u>Second Amended and Restated By-Laws of Regional Management Corp. (incorporated by reference to Exhibit 3.2 to Quarterly Report on Form 10-Q filed on May 2, 2025)</u>](https://www.sec.gov/Archives/edgar/data/1519401/000095017025062837/rm-ex3_2.htm) |
| 4.3\* | [<u>Form of Restricted Stock Award Agreement (Inducement Grant)</u>](rm-ex4_3.htm) |
| 4.4\* | [<u>Form of Performance Restricted Stock Unit Award Agreement (Inducement Grant)</u>](rm-ex4_4.htm) |
| 5.1\* | [<u>Opinion of Womble Bond Dickinson (US) LLP</u>](rm-ex5_1.htm) |
| 23.1\* | [<u>Consent of Deloitte & Touche LLP</u>](rm-ex23_1.htm) |
| 23.2\* | [<u>Consent of Womble Bond Dickinson (US) LLP (included in Exhibit 5.1)</u>](rm-ex5_1.htm) |
| 24\* | [<u>Powers of Attorney (included on the signature page)</u>](#exhibit_24_signatures) |
| 107\* | [<u>Filing Fee Table</u>](rm_exfilingfees.htm) |

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______________________

\*Filed herewith.

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**Item 9. Undertakings.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.The undersigned Registrant hereby undertakes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)To include any prospectus required by Section 10(a)(3) of the Securities Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)To reflect in the prospectus any facts or events arising after the effective date of this Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the maximum aggregate offering price set forth in the "Calculation of Filing Fees Tables" or "Calculation of Registration Fee" table, as applicable, in the effective registration statement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)To include any material information with respect to the plan of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;

*provided, however*, that paragraphs (1)(a)(i) and (1)(a)(ii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed by the Registrant pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers, and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer, or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

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**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933, as amended, Regional Management Corp. certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Greer, State of South Carolina, on this 10<sup>th</sup> day of November, 2025.

**REGIONAL MANAGEMENT CORP.** 

By: <u>/s/ Harpreet Rana</u> 

Harpreet Rana

Executive Vice President and

Chief Financial and Administrative Officer

Each of the undersigned, being a director and/or officer of Regional Management Corp. (the "<u>Company</u>"), hereby nominates, constitutes, and appoints Harpreet Rana and Catherine R. Atwood, or any one of them severally, to be his/her true and lawful attorney-in-fact and agent and to sign in his/her name and on his/her behalf in any and all capacities stated below, and to file with the U.S. Securities and Exchange Commission (the "<u>Commission</u>") this Registration Statement on Form S-8 (the "<u>Registration Statement</u>") or other appropriate form, and to file any and all amendments, including post-effective amendments, exhibits, and other documents and instruments in connection therewith, to this Registration Statement, making such changes to this Registration Statement as such attorney-in-fact and agent deems appropriate, and generally to do all such things on his/her behalf in any and all capacities stated below to enable the Company to comply with the provisions of the Securities Act of 1933, as amended (the "<u>Securities Act</u>"), and all requirements of the Commission.

Pursuant to the requirements of the Securities Act, this Registration Statement has been signed by the following persons in the capacities indicated as of November 10, 2025.

---

| | |
|:---|:---|
| <u>/s/ Lakhbir S. Lamba</u><br>Name: Lakhbir S. Lamba | <u>/s/ Harpreet Rana</u><br>Name: Harpreet Rana |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: President and Chief Executive Officer<br>and Director<br>(principal executive officer) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: Executive Vice President and<br>Chief Financial and Administrative Officer<br>(principal financial officer) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>/s/ Steven B. Barnette</u><br>Name: Steven B. Barnette<br>Title: Vice President and Chief Accounting Officer<br>(principal accounting officer) | <u>/s/ Carlos Palomares</u><br>Name: Carlos Palomares<br>Title: Chair of the Board of Directors |
| <u>/s/ Julie Booth</u> <br>Name: Julie Booth<br>Title: Director | <u>/s/ Jonathan D. Brown</u><br>Name: Jonathan D. Brown<br>Title: Director |
| <u>/s/ Roel C. Campos</u><br>Name: Roel C. Campos<br>Title: Director | <u>/s/ Maria Contreras-Sweet</u><br>Name: Maria Contreras-Sweet<br>Title: Director |
| <u>/s/ Michael Dunn</u><br>Name: Michael Dunn<br>Title: Director | <u>/s/ Steven J. Freiberg</u><br>Name: Steven J. Freiberg<br>Title: Director |
| <u>/s/ Sandra K. Johnson</u> |  |
| Name: Sandra K. Johnson |  |
| Title: Director  |  |

---

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## Exhibit 4.3

**Exhibit 4.3**

**REGIONAL MANAGEMENT CORP.**

**RESTRICTED STOCK AWARD AGREEMENT**

**(INDUCEMENT GRANT)**

THIS RESTRICTED STOCK AWARD AGREEMENT (INDUCEMENT GRANT) (the "<u>Agreement</u>") is made effective as of the date set forth on the signature page hereto (hereinafter called the "<u>Date of Grant</u>"), between Regional Management Corp., a Delaware corporation (hereinafter called the "<u>Company</u>"), and the individual set forth on the signature page hereto (hereinafter called the "<u>Grantee</u>").

This Award (as defined below) is granted to the Grantee pursuant to the inducement grant exception under NYSE Listed Company Manual Rule 303A.08 (and, for the avoidance of doubt, is not made pursuant to the Company's 2024 Long-Term Incentive Plan (such plan, as it may be amended and/or restated, the "<u>Plan</u>") and the share reserve thereunder or any other equity incentive plan of the Company) as a material inducement to the Grantee being hired by the Company. Notwithstanding that the Award is not granted under the Plan, subject to the terms and conditions of this Agreement, the Award will be governed by the terms and conditions set forth in the Plan as if it had been granted under the Plan. The provisions of the Plan are hereby incorporated herein by reference.

**1.** **Grant of Award.**

The Company hereby grants to the Grantee a Restricted Stock Award for shares of Common Stock (the "<u>Award</u>"), subject to the terms and conditions of this Agreement, for the number of shares of Common Stock (the "<u>Shares</u>") set forth on the signature page hereto, subject to adjustment as set forth in the Plan.

**2.** **Definitions.**

Whenever the following terms are used in this Agreement, they shall have the meanings set forth below. Capitalized terms not otherwise defined herein shall have the same meanings as in the Plan. In addition, for clarity, references to a "Participant" in the Plan shall refer to the Grantee unless the context otherwise requires.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)<u>Cause</u>. "Cause" shall mean the Grantee's termination of employment or service resulting from the Grantee's (i) termination for "Cause" as defined under the Grantee's employment, change in control, consulting, or other similar plan or agreement with or established by the Company or an Affiliate that is applicable to the Grantee, if any, or (ii) if the Grantee is not a participant in or has not entered into any such plan or agreement or, if any such plan or agreement does not define "Cause", then "Cause" shall mean: (A) the Grantee's engagement in misconduct which is materially injurious to the Company or its Affiliates, (B) the Grantee's continued refusal to substantially perform his or her duties to the Company, (C) the Grantee's repeated dishonesty in the performance of his or her duties to the Company, (D) the Grantee's commission of an act or acts constituting any (x) fraud against, or misappropriation or embezzlement from, the Company or any of its Affiliates, (y) crime involving moral turpitude, or (z) offense that could result in a jail sentence of at least one year, or (E) the Grantee's material breach of any confidentiality, non-solicitation, or non-competition covenant entered into between the Grantee and the Company. The determination of "Cause" shall be made by the Administrator and its determination shall be final and conclusive. Without in any way limiting the effect of the foregoing, for purposes of this

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Agreement, the Grantee's employment or service shall also be deemed to have terminated for Cause if, after the Grantee's employment or service has terminated, facts and circumstances are discovered that would have justified, in the opinion of the Administrator, a termination for Cause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)<u>Good Reason</u>. "Good Reason" shall mean (i) "Good Reason" as defined under the Grantee's employment, change in control, consulting, or other similar plan or agreement with or established by the Company or an Affiliate that is applicable to the Grantee, if any, or (ii) if the Grantee is not a participant in or has not entered into any such plan or agreement or if any such plan or agreement does not define "Good Reason," then the Grantee's termination shall be for "Good Reason" if termination results due to any of the following without the Grantee's consent: (A) with respect to Employees, a change caused by the Company in the Grantee's duties and responsibilities which is materially inconsistent with the Grantee's position at the Company, or a material reduction in the Grantee's annual base salary (excluding any reduction in the Grantee's salary that is part of a plan to reduce salaries of comparably situated employees of the Company generally); and (B) with respect to Directors in connection with a Change of Control, the Grantee's ceasing to serve as a Director, or, if the Company is not the surviving Company in a Change of Control event, a member of the board of directors of the surviving entity, in either case, due to the Grantee's failure to be nominated to serve as a director of such entity or the Grantee's failure to be elected to serve as a director of such entity, but not due to the Grantee's decision not to continue service on the Board of Directors of the Company or the board of directors of the surviving entity, as the case may be; provided that, in any case, notwithstanding anything to the contrary in the foregoing subparts (i) or (ii), the Grantee shall only have "Good Reason" to terminate employment or service following the applicable entity's failure to remedy the act which is alleged to constitute "Good Reason" within thirty (30) days following such entity's receipt of written notice from the Grantee specifying such act, so long as such notice is provided within sixty (60) days after such event has first occurred (or after the Grantee reasonably should have been aware of the first occurrence of such event). The determination of "Good Reason" shall be made by the Administrator and its determination shall be final and conclusive.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)<u>Qualifying Termination</u>. "Qualifying Termination" shall mean termination of employment or service of the Grantee (i) as a result of the Grantee's death or Disability, (ii) by the Company and/or its Affiliates without Cause, or (iii) by the Grantee for Good Reason.

**3.** **Vesting; Forfeiture.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Subject to the Grantee's continued employment or service through the applicable vesting date and except as otherwise provided in this Section 3, the Award shall vest at the time(s) set forth on the signature page hereto. The Administrator has authority to determine whether and to what degree the Award shall be deemed vested.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Notwithstanding Section 3(a) herein, with respect to Employees and Consultants, in the event that the Grantee's employment or service with the Company is terminated due to a Qualifying Termination, then a pro-rata portion of the unvested Shares subject to the Award as of each applicable vesting date, determined as of the date of the Qualifying Termination in accordance with the provisions of this Section 3(b), shall be deemed vested. The pro-rata portion of the unvested Shares subject to the Award that shall be deemed vested as of each applicable vesting date shall be determined by multiplying the total number of the unvested Shares subject to vesting on the applicable vesting date, by a fraction, the numerator of which is the number of calendar days from the Date of Grant through the date of the Qualifying Termination, and the denominator of which is the total number of calendar days in the period

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commencing on the Date of Grant and ending on the applicable vesting date. The remaining unvested Shares subject to the Award shall be forfeited as of the date of the Qualifying Termination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Notwithstanding Section 3(a) herein, with respect to Directors, in the event that the Grantee's employment or service with the Company is terminated due to death or Disability, then the Award shall, to the extent not then vested or previously forfeited or cancelled, become fully vested effective as of the Grantee's Termination Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)Notwithstanding Section 3(a) herein, in the event of a Change of Control, then the Award shall, to the extent not then vested or previously forfeited or cancelled, become vested as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)To the extent that the successor or surviving company in the Change of Control event does not assume or substitute for the Award (or in which the Company is the ultimate parent corporation and does not continue the Award) on substantially similar terms or with substantially equivalent economic benefits (as determined by the Administrator) as Awards outstanding under the Plan immediately prior to the Change of Control event, the Award shall become fully vested as of the date of the Change of Control.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)Further, in the event that the Award is substituted, assumed, or continued as provided in Section 3(d)(i) herein, the Award will nonetheless become vested if the Grantee's employment or service is terminated by the Company and its Affiliates without Cause or by the Grantee with Good Reason within six months before (in which case vesting shall not occur until the effective date of the Change of Control) or one year after the effective date of a Change of Control (in which case vesting shall occur as of the Grantee's Termination Date).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)Notwithstanding any other provision of this Agreement or the Plan to the contrary, in the event that the Grantee has entered into or is a participant in a change in control, employment, consulting, or similar plan or agreement with or established by the Company or an Affiliate, the Grantee shall be entitled to the greater of the benefits provided upon a Change of Control of the Company under the Plan or the benefits provided upon a change of control of the Company under the other respective plan or agreement, and such other respective plan or agreement shall not be construed to reduce in any way the benefits otherwise provided to the Grantee upon the occurrence of a Change of Control as defined in the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)If the Grantee's employment or service with the Company is terminated for any reason other than a Change of Control, a Qualifying Termination with respect to Employees and Consultants, or death or disability with respect to Directors as provided herein (including but not limited to a termination for Cause), the unvested portion of the Award shall immediately terminate and the Grantee shall have no rights with respect to the Award or the Shares underlying the unvested portion of the Award.

**4.** **Rights as a Stockholder; Settlement of Award.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Grantee shall not have any rights to dividends, voting rights, or other rights of a stockholder with respect to Shares subject to an Award unless and until certificates for such shares have been issued to him or her (or other written evidence of ownership in accordance with Applicable Law has been provided). A certificate or certificates for Shares subject to the Award (or other written evidence of ownership) shall be issued in the name of the Grantee as soon as practicable after the Award has been granted. Notwithstanding the foregoing, the Administrator may (i) require that the Grantee deliver certificates (or other written evidence of ownership) for the Shares to the Administrator or its designee

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to be held in escrow until the Award vests and is no longer subject to a substantial risk of forfeiture (in which case the Shares will be promptly released to the Grantee) or is forfeited (in which case the Shares will be returned to the Company without the payment of consideration therefor); and/or (ii) require that the Grantee deliver to the Company a stock power or similar instrument, endorsed in blank, related to the Shares subject to the Award which are subject to forfeiture. Except as otherwise provided in this Agreement, the Grantee shall have all voting, dividend, and other rights of a stockholder with respect to the Shares following issuance of the certificate or certificates (or other written evidence of ownership) for the Shares; provided, however, that if any dividends are declared and paid by the Company with respect to such Shares, such dividends shall be subject to the same vesting schedule, forfeiture terms, and other restrictions as are applicable to the Shares upon which such dividends are paid.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Notwithstanding any other provision of this Agreement to the contrary, no Shares shall be distributable upon vesting of the Award prior to the completion of any registration or qualification of the Award or the Shares under any Applicable Law (including, but not limited to, the requirements of the Securities Act) that the Administrator shall in its sole discretion determine to be necessary or advisable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)The Company shall not be liable to the Grantee for damages relating to any delays in issuing the certificates to him or her (subject to any Code Section 409A requirements), any loss of the certificates, or any mistakes or errors in the issuance of the certificates or in the certificates themselves. Notwithstanding the foregoing, the issuance of Shares may, in the Company's discretion, be effected on a non-certificated basis, to the extent permitted under the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)The Award, if vested in accordance with the terms of this Agreement, shall be payable in whole shares. The total number of Shares that may be acquired upon vesting of the Award (or portion thereof) shall be rounded down to the nearest whole share.

**5.** **No Right to Continued Employment or Service; No Right to Further Awards.** 

Neither this Agreement nor any other action related to this Agreement shall confer upon the Grantee any right to continue in the employ or service of the Company or an Affiliate or interfere in any way with the right of the Company or an Affiliate to terminate the Grantee's employment or service at any time. Except as otherwise provided in this Agreement, or as may be determined by the Administrator, all rights of the Grantee with respect to the unvested portion of the Award shall terminate on the Grantee's Termination Date. The grant of the Award does not create any obligation to grant further awards.

**6.** **Legend on Certificates.** 

The Shares acquired upon vesting of the Award shall be subject to the rules, regulations, and other requirements of the Securities and Exchange Commission, any stock exchange upon which such Shares are listed, and any other Applicable Law, and the Administrator may cause a restrictive legend or legends to be put on any certificates for such Shares to make appropriate reference to such restrictions.

**7.** **Transferability.** 

The Award may not be assigned, alienated, pledged, attached, sold, or otherwise transferred or encumbered by the Grantee other than transfers for no consideration by will or by the laws of descent and distribution, and any such purported assignment, alienation, pledge, attachment, sale, transfer, or encumbrance shall be void and unenforceable against the Company or any Affiliate; provided that the

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designation of a beneficiary shall not constitute an assignment, alienation, pledge, attachment, sale, transfer, or encumbrance. No such permitted transfer of the Award to heirs or legatees of the Grantee shall be effective to bind the Company unless the Administrator shall have been furnished with written notice thereof and a copy of such evidence as the Administrator may deem necessary to establish the validity of the transfer and the acceptance by the transferee or transferees of the terms and conditions hereof.

**8.** **Withholding; Tax Consequences.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Prior to the delivery of a certificate or certificates for the Shares subject to the Award (or other written evidence of ownership), the Grantee may be required to pay to the Company or any Affiliate in cash the amount of any tax or other amount required by any governmental authority to be withheld and paid over by the Company or an Affiliate to such authority for the account of the Grantee. Notwithstanding the foregoing, the Company shall have the right and is hereby authorized to withhold (including from payroll or any other amounts payable to the Grantee), any applicable withholding taxes in respect of the Award, its vesting, or any payment or transfer under or with respect to the Award and to take such other action as may be necessary in the opinion of the Administrator to satisfy all obligations for the payment of such withholding taxes. Without limiting the generality of the foregoing, to the extent permitted by the Administrator, the Grantee may satisfy, in whole or in part, the foregoing withholding liability by delivery of shares of Common Stock held by the Grantee (which are fully vested and not subject to any pledge or other security interest) or by having the Company withhold from the number of Shares otherwise deliverable to the Grantee hereunder Shares with a Fair Market Value as of the date that the amount of tax to be withheld is determined no greater than the aggregate amount of such withholding obligations based on the maximum statutory withholding rate in the Grantee's applicable jurisdiction for federal, state, local, and foreign income and payroll tax purposes. The Grantee further agrees to make adequate provision for any sums required to satisfy all applicable federal, state, local, and foreign tax withholding obligations of the Company which may arise in connection with the Award.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)The Grantee acknowledges that the Company has made no warranties or representations to the Grantee with respect to the tax consequences (including but not limited to income tax consequences) with respect to the transactions contemplated by this Agreement, and the Grantee is in no manner relying on the Company or its representatives for an assessment of such tax consequences. The Grantee acknowledges that there may be adverse tax consequences upon the grant or vesting of the Award and/or the acquisition or disposition of the Shares subject to the Award and that he or she has been advised that he or she should consult with his or her own attorney, accountant, and/or tax advisor regarding the decision to enter into this Agreement and the consequences thereof. The Grantee also acknowledges that the Company has no responsibility to take or refrain from taking any actions in order to achieve a certain tax result for the Grantee.

**9.** **Compliance with Applicable Law.** 

Upon the acquisition of any Shares pursuant to the vesting of the Award, the Grantee will make or enter into such written representations, warranties, and agreements as the Administrator may reasonably request in order to comply with Applicable Law or with this Agreement. Notwithstanding any other provision in this Agreement to the contrary, the Company shall not be obligated to issue, deliver, or transfer Shares, make any other distribution of benefits, or take any other action, unless such delivery, distribution, or action is in compliance with Applicable Law (including but not limited to the requirements of the Securities Act).

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**10.** **Notices.** 

Any notice necessary under this Agreement shall be addressed to the Company in care of its Secretary at the principal executive office of the Company and to the Grantee at the address appearing in the personnel or business records of the Company for the Grantee or to either party at such other address as either party hereto may hereafter designate in writing to the other. Any such notice shall be deemed effective upon receipt thereof by the addressee.

**11.** **Governing Law.** 

This Agreement shall be governed by and construed in accordance with the laws of the state of Delaware without regard to conflicts of laws, and in accordance with applicable federal laws of the United States. Any and all disputes between the Grantee or any person claiming through him or her and the Company or any Affiliate relating to this Agreement shall be brought only in the state courts of Greenville, South Carolina, or the United States District Court for the District of South Carolina, Greenville division, as appropriate.

**12.** **Award Subject to Plan Terms.** 

By entering into this Agreement, the Grantee agrees and acknowledges that the Grantee has received and read a copy of the Plan and prospectus relating to the Shares subject to the Award. The Grantee acknowledges and agrees that the Award is granted as a stand-alone award and not under the Plan but is subject to the terms and conditions of the Plan (unless otherwise determined by the Administrator). The terms and provisions of the Plan, as they may be amended from time to time, are hereby incorporated herein by reference. In the event of a conflict between any express term or provision contained herein and a term or provision of the Plan, the applicable terms and provisions of this Agreement will govern and prevail, unless the Administrator determines otherwise.

**13.** **Signature in Counterparts.** 

This Agreement may be signed in counterparts, each of which shall be an original, with the same effect as if the signatures thereto and hereto were upon the same instrument.

**14.** **Amendment; Waiver; Superseding Effect.** 

This Agreement may be modified or amended as provided in the Plan. The waiver by the Company of a breach of any provision of this Agreement by the Grantee shall not operate or be construed as a waiver of any subsequent breach by the Grantee. This Agreement supersedes any statements, representations, or agreements of the Company with respect to the grant of the Award or any related rights (including but not limited to any statements, representations, or agreements under the terms of any offer letter agreement, term sheet, or similar instruments), and the Grantee hereby waives any rights or claims related to any such statements, representations, or agreements.

**15.** **Recoupment and Forfeiture.**

As a condition to receiving the Award, the Grantee agrees that he or she shall abide by (a) the Company's Dodd-Frank Act Compensation Recoupment (Clawback) Policy, (b) the Company's Supplemental Compensation Recoupment (Clawback) Policy, (c) the Company's Stock Ownership and Retention Policy (including but not limited to such policy's stock retention requirements), and/or (d) other

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policies adopted by the Company or an Affiliate, each as in effect from time to time and to the extent applicable to the Grantee. Further, the Grantee shall be subject to such compensation recovery, recoupment, forfeiture, or other similar provisions as may apply under Applicable Law.

**16.** **Administration.** 

The authority to construe and interpret this Agreement and to administer all aspects of this Agreement shall be vested in the Administrator, and the Administrator shall have all powers with respect to this Agreement as are provided in the Plan, including but not limited to the sole authority to determine whether and to what degree the Award is earned and vested. Any interpretation of this Agreement by the Administrator and any decision made by it with respect to this Agreement is final and binding.

**17.** **Severability.**

The provisions of this Agreement are severable and if any one or more provisions shall be held illegal or invalid for any reason, such illegality or invalidity shall not affect the remaining parts of this Agreement, and this Agreement shall be construed and enforced as if the illegal or invalid provision had not been included.

**18.** **Right of Offset.** 

Notwithstanding any other provision of this Agreement, the Company may at any time (subject to any Code Section 409A considerations) reduce the amount of any payment or benefit otherwise payable to or on behalf of the Grantee by the amount of any obligation of the Grantee to the Company or an Affiliate that is or becomes due and payable, and, by entering into this Agreement, the Grantee shall be deemed to have consented to such reduction.

**19.** **Electronic Delivery and Acceptance.** 

The Company may, in its sole discretion, elect to deliver this Agreement, the Plan, the prospectus relating to the Shares subject to the Award, Company annual reports, stockholder communications, and any other documents related to this Agreement by electronic means. By entering into this Agreement, the Grantee hereby consents to receive such documents by electronic delivery and agrees to participate as a party to this Agreement through an online or electronic system established and maintained by the Company or a third party designated by the Company. The Grantee's online or electronic acceptance of this Agreement constitutes the Grantee's agreement to this Agreement's terms and the Grantee's acknowledgement that he or she has received the documents described above.

*[Signature Page to Follow]*

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**SIGNATURE PAGE TO RESTRICTED STOCK AWARD AGREEMENT (INDUCEMENT GRANT)**

IN WITNESS WHEREOF, the parties have caused this Agreement to be effective as of the Date of Grant specified below.

Date of Grant: [_______]

Shares Subject to Award: [____________]

Vesting Date(s): [____________]

**Grantee:**

Printed Name: [____________]

**Regional Management Corp.**

By: <u>[insert electronic signature]</u> 

Name: [____________]

Its: [____________]

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## Exhibit 4.4

**Exhibit 4.4**

**REGIONAL MANAGEMENT CORP.**

**PERFORMANCE RESTRICTED STOCK UNIT AWARD AGREEMENT**

**(INDUCEMENT GRANT)**

THIS PERFORMANCE RESTRICTED STOCK UNIT AWARD AGREEMENT (INDUCEMENT GRANT) (together with any Schedules attached hereto, the "<u>Agreement</u>") is made effective as of the date set forth on the signature page hereto (hereinafter called the "<u>Date of Grant</u>"), between Regional Management Corp., a Delaware corporation (hereinafter called the "<u>Company</u>"), and the individual set forth on the signature page hereto (hereinafter called the "<u>Grantee</u>").

This Award (as defined below) is granted to the Grantee pursuant to the inducement grant exception under NYSE Listed Company Manual Rule 303A.08 (and, for the avoidance of doubt, is not made pursuant to the Company's 2024 Long-Term Incentive Plan (such plan, as it may be amended and/or restated, the "<u>Plan</u>") and the share reserve thereunder or any other equity incentive plan of the Company) as a material inducement to the Grantee being hired by the Company. Notwithstanding that the Award is not granted under the Plan, subject to the terms and conditions of this Agreement, the Award will be governed by the terms and conditions set forth in the Plan as if it had been granted under the Plan. The provisions of the Plan are hereby incorporated herein by reference.

**1.** **Grant of Award.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Company hereby grants to the Grantee an Award (the "<u>Award</u>") of Restricted Stock Units in the form of Performance Restricted Stock Units ("<u>Performance Restricted Stock Units</u>" or "<u>PRSUs</u>"), which Award represents a contingent right to acquire shares of Common Stock (the "<u>Shares</u>"). Each PRSU is equivalent to one share of Common Stock for purposes of determining the number of shares of Common Stock subject to the Award.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)For the purposes herein, the Shares subject to the Award are units that will be reflected in a book account maintained by the Company and that will be settled in shares of Common Stock if and only to the extent permitted under this Agreement. Prior to issuance of any shares of Common Stock, the Award shall represent an unsecured obligation of the Company, payable (if at all) only from the Company's general assets. The Award is subject to the terms and conditions of this Agreement, including the provisions set forth on the signature page hereto and Schedule A, which is attached hereto and expressly made a part of this Agreement, subject to adjustment as set forth in the Plan.

**2.** **Definitions.**

In addition to other terms defined in this Agreement, whenever the following terms are used in this Agreement, they shall have the meanings set forth below. Capitalized terms not otherwise defined herein shall have the same meanings as in the Plan. In addition, for clarity, references to a "Participant" in the Plan shall refer to the Grantee unless the context otherwise requires.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)<u>Cause</u>. "Cause" shall mean the Grantee's termination of employment or service resulting from the Grantee's (i) termination for "Cause" as defined under the Grantee's employment, change in control, consulting, or other similar plan or agreement with or established by the Company or an Affiliate that is applicable to the Grantee, if any, or (ii) if the Grantee is not a participant in or has not entered into any such plan or agreement or, if any such plan or agreement does not define "Cause", then "Cause" shall

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mean: (A) the Grantee's engagement in misconduct which is materially injurious to the Company or its Affiliates, (B) the Grantee's continued refusal to substantially perform his or her duties to the Company, (C) the Grantee's repeated dishonesty in the performance of his or her duties to the Company, (D) the Grantee's commission of an act or acts constituting any (x) fraud against, or misappropriation or embezzlement from, the Company or any of its Affiliates, (y) crime involving moral turpitude, or (z) offense that could result in a jail sentence of at least one year, or (E) the Grantee's material breach of any confidentiality, non-solicitation, or non-competition covenant entered into between the Grantee and the Company. The determination of "Cause" shall be made by the Administrator and its determination shall be final and conclusive. Without in any way limiting the effect of the foregoing, for purposes of this Agreement, the Grantee's employment or service shall also be deemed to have terminated for Cause if, after the Grantee's employment or service has terminated, facts and circumstances are discovered that would have justified, in the opinion of the Administrator, a termination for Cause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)<u>Good Reason</u>. "Good Reason" shall mean (i) "Good Reason" as defined under the Grantee's employment, change in control, consulting, or other similar plan or agreement with or established by the Company or an Affiliate that is applicable to the Grantee, if any, or (ii) if the Grantee is not a participant in or has not entered into any such plan or agreement or if any such plan or agreement does not define "Good Reason," then the Grantee's termination shall be for "Good Reason" if termination results due to any of the following without the Grantee's consent: a change caused by the Company in the Grantee's duties and responsibilities which is materially inconsistent with the Grantee's position at the Company, or a material reduction in the Grantee's annual base salary (excluding any reduction in the Grantee's salary that is part of a plan to reduce salaries of comparably situated employees of the Company generally); provided that, in any case, notwithstanding anything to the contrary in the foregoing subparts (i) or (ii), the Grantee shall only have "Good Reason" to terminate employment or service following the applicable entity's failure to remedy the act which is alleged to constitute "Good Reason" within thirty (30) days following such entity's receipt of written notice from the Grantee specifying such act, so long as such notice is provided within sixty (60) days after such event has first occurred (or after the Grantee reasonably should have been aware of the first occurrence of such event). The determination of "Good Reason" shall be made by the Administrator and its determination shall be final and conclusive.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)<u>Qualifying Termination</u>. "Qualifying Termination" shall mean the termination of employment or service of the Grantee (i) as a result of the Grantee's death, Disability, or Retirement, (ii) by the Company and/or its Affiliates without Cause, or (iii) by the Grantee for Good Reason.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)<u>Retirement</u>. "Retirement" shall have the meaning given such term under an employment, change in control, consulting, or other similar plan or agreement with or established by the Company or an Affiliate that is applicable to the Grantee, if any, or if the Grantee is not a participant in or has not entered into any such plan or agreement or if such plan or agreement does not define "Retirement", then "Retirement" shall mean (i) the termination of employment by the Grantee on or after either (A) the Grantee's attainment of age 65, or (B) the Grantee's attainment of age 55 and completion of ten (10) years of service; and (ii) with respect to the Chief Executive Officer only, the termination of employment by the Chief Executive Officer on or after both (A) the Chief Executive Officer's attainment of age 55 and completion of at least five years of service, and (B) the date upon which the sum of the Chief Executive Officer's age plus years of service equals 65. For this purpose, the Grantee shall be credited with a year of service for each consecutive twelve-month period he or she is employed or in service during his or her period of employment or service with the Company. Employment or service shall not be deemed to be terminated or interrupted by a leave of absence, sick leave, or vacation granted to the Grantee by the Company. The Administrator shall have authority to determine if a Retirement has occurred.

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**3.** **Vesting; Forfeiture.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The actual number of Shares, if any, that may be earned and vested during the Performance Period, as set forth on the signature page hereto (the "<u>Performance Period</u>"), will be determined by the Administrator following the end of the Performance Period based on attainment of the performance goals, as set forth on the signature page hereto and as provided in Schedule A (the "<u>Performance Goals</u>"); provided, however, that, except as otherwise provided in this Section 3, the Award shall not vest, in whole or in part, and the Grantee shall not be entitled to any Shares, unless the Grantee remains employed or in service from the Date of Grant until the Service Period Completion Date (as defined on the signature page hereto). To be clear, except as otherwise provided in this Agreement (including this Section 3), no Shares shall vest and be issuable to the Grantee unless the Grantee is continuously employed by or in service with the Company from the Date of Grant until the Service Period Completion Date ***and*** the Performance Goals are met. The Administrator has authority to determine whether and to what degree the Award shall be deemed earned and vested.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)If the Grantee's employment or service with the Company is terminated prior to the Service Period Completion Date for any reason other than a Qualifying Termination (including but not limited to a termination for Cause), the Award shall immediately terminate and the Grantee shall have no rights with respect to the Award or the Shares underlying the Award.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Notwithstanding Sections 3(a) and (b) herein, if the Grantee's employment or service with the Company is terminated prior to the Service Period Completion Date due to a Qualifying Termination, then a pro-rata portion of the Award, determined as of the date of the Qualifying Termination in accordance with the provisions of this Agreement, shall be eligible to be earned and vested based on attainment of the Performance Goals during the Performance Period as specified in this Agreement and Schedule A as if the Grantee's employment or service had not terminated prior to the Service Period Completion Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)Notwithstanding Sections 3(a) and (b) herein, in the event a Change of Control occurs during the Performance Period, the Award shall be deemed earned and vested as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)To the extent that the successor or surviving company in the Change of Control event does not assume or substitute for the Award (or in which the Company is the ultimate parent corporation and does not continue the Award) on substantially similar terms or with substantially equivalent economic benefits (as determined by the Administrator) as Awards outstanding under the Plan immediately prior to the Change of Control event, the Award shall be deemed earned and vested to the extent of the attainment of the Performance Goals set forth on Schedule A, calculated and determined as of (or as close in time as practicable to) the effective date of the Change of Control.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)Further, in the event that the Award is substituted, assumed, or continued as provided in Section 3(d)(i) herein, the Award will be deemed earned to the extent of the attainment of the Performance Goals set forth on Schedule A, calculated and determined as of (or as close in time as practicable to) the effective date of the Change of Control, and will convert to a time-based RSU which will vest, subject to continued employment or service, on the last day of the Performance Period; provided that, if the Grantee's employment or service is terminated by the Company or an Affiliate without Cause or by the Grantee with Good Reason within (A) six months before or (B) one year after the effective date of a Change of Control, then the Award, to

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the extent earned based on the foregoing provisions of Section 3(d)(ii), shall be deemed vested as of the date of the Change of Control in the event subpart (A) herein applies or as of the date of the Grantee's termination of employment or service in the event subpart (B) herein applies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)Notwithstanding any other provision of this Agreement or the Plan to the contrary, in the event that the Grantee has entered into or is a participant in a change in control, employment, consulting, or similar plan or agreement with or established by the Company or an Affiliate, the Grantee shall be entitled to the greater of the benefits provided upon a Change of Control of the Company under the Plan or the benefits provided upon a change of control of the Company under the other respective plan or agreement, and such other respective plan or agreement shall not be construed to reduce in any way the benefits otherwise provided to the Grantee upon the occurrence of a Change of Control as defined in the Plan.

**4.** **Settlement of Award; Delivery of Shares.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)No certificate or certificates for Shares shall be issued at the time of grant of the Award. A certificate or certificates for the Shares underlying the Award (or, in the case of uncertificated Shares, other written evidence of ownership in accordance with Applicable Law) shall be issued in the name of the Grantee (or his or her beneficiary) only in the event, and to the extent, that the Award has vested and been earned in accordance with the provisions of this Agreement, including Schedule A. Any Shares or other benefits payable pursuant to the Award shall (except as otherwise provided in this Section 4(a) in the event of a Change of Control), upon vesting and earning of the Award, be distributed to the Grantee (or his or her beneficiary) no earlier than the date of the first anniversary of the Service Period Completion Date, but in any event within 70 days following the first anniversary of the Service Period Completion Date (such date of distribution, the "<u>Settlement Date</u>"); provided that, if the Grantee's employment is terminated due to Cause prior to the Settlement Date (for clarity, including but not limited to termination during the period between the Service Period Completion Date and the Settlement Date), then the Award shall be forfeited in its entirety and the Grantee shall have no rights with respect to the Award or any Share or other benefits underlying the Award. Notwithstanding the foregoing, the Settlement Date shall be determined as follows in the event of a Change of Control: (a) any distributions as a result of a Change of Control as provided in Section 3(d)(i) or as provided in Section 3(d)(ii) due to a termination of employment not for Cause by the Company or an Affiliate or by the Grantee for Good Reason within six months before the Change of Control shall be paid within 70 days following the date of the Change of Control; (b) any distributions under Section 3(d)(ii) due to the termination of employment or service by the Company or an Affiliate not for Cause or by the Grantee for Good Reason within one year following a Change of Control shall be paid within 70 days following the Grantee's Termination Date; and (c) any distributions as a result of a Change of Control as provided in Section 3(d)(ii) other than due to a termination of employment by the Company or an Affiliate not for Cause or by the Grantee for Good Reason (that is, a distribution as a result of continued employment or service until the end of the Performance Period) shall be paid within 70 days following the end of the Performance Period. If the 70-day period described in this Section 4(a) begins in one calendar year and ends in another, the Grantee (or his or her beneficiary) shall not have the right to designate the calendar year of the payment (except as permitted by Code Section 409A or otherwise provided below with respect to a delay in payments if the Grantee is a "specified employee"). Further, if calculation of the amount of the payment is not administratively practicable due to events beyond the control of the Grantee (or his or her beneficiary), the payment will be treated as made within the applicable 70-day time period specified herein if the payment is made during the first taxable year of the Grantee in which the calculation of the amount of the payment is administratively practicable or otherwise in accordance with Code Section 409A.

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Notwithstanding the foregoing, if the Grantee is or may be a "specified employee" (as defined under Code Section 409A), and the distribution is considered deferred compensation under Code Section 409A, then such distribution if made due to separation from service shall be subject to delay as provided in Section 20 of the Plan (or any successor provision thereto).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Except as otherwise provided in this Section 4(b), the Grantee shall not be deemed to be the holder of any Shares subject to the Award and shall not have any dividend rights, voting rights, or other rights as a stockholder unless and until (and only to the extent that) the Award has vested and been earned and certificates for such Shares have been issued to him or her (or, in the case of uncertificated shares, other written evidence of ownership in accordance with Applicable Law shall have been provided). As of any date that the Company pays an ordinary cash dividend on its Common Stock, the Company shall credit to the Grantee's book account a dollar amount equal to (i) the per share cash dividend paid by the Company on its Common Stock on such date, multiplied by (ii) that number of Shares equal to the number of Target PRSUs ("<u>Target PRSUs</u>") set forth on the signature page hereto (a "<u>Dividend Equivalent Right</u>"). Any Dividend Equivalent Rights credited pursuant to the foregoing provisions of this Section 4(b) shall be subject to the same vesting, earning, Performance Goals, payment, and other terms, conditions and restrictions as the Shares subject to the Award (and, for clarification, shall not be paid unless and until the corresponding portion of the Shares subject to the Award have been earned, vested and settled); provided, however, that the amount of any Dividend Equivalent Rights that become earned, vested, and entitled to settlement pursuant to the terms of this Agreement and Schedule A shall be paid in cash.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Notwithstanding any other provision of this Agreement to the contrary, no Shares shall be distributable upon vesting of the Award prior to the completion of any registration or qualification of the Award or the Shares under any Applicable Law (including, but not limited to, the requirements of the Securities Act) that the Administrator shall in its sole discretion determine to be necessary or advisable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)The Company shall not be liable to the Grantee for damages relating to any delays in issuing the certificates to him or her (subject to any Code Section 409A requirements), any loss of the certificates, or any mistakes or errors in the issuance of the certificates or in the certificates themselves. Notwithstanding the foregoing, the issuance of Shares may, in the Company's discretion, be effected on a non-certificated basis, to the extent permitted under the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)The Award, if vested in accordance with the terms of this Agreement, shall be payable in whole shares. The total number of Shares that may be acquired upon settlement of the Award (or portion thereof) shall be rounded down to the nearest whole share.

**5.** **No Right to Continued Employment or Service; No Right to Further Awards.**

Neither this Agreement nor any other action related to this Agreement shall confer upon the Grantee any right to continue in the employ or service of the Company or an Affiliate or interfere in any way with the right of the Company or an Affiliate to terminate the Grantee's employment or service at any time. Except as otherwise provided in this Agreement, or as may be determined by the Administrator, all rights of the Grantee with respect to the unvested portion of the Award shall terminate on the Grantee's Termination Date. The grant of the Award does not create any obligation to grant further awards.

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**6.** **Legend on Certificates.**

The Shares acquired upon vesting of the Award shall be subject to the rules, regulations, and other requirements of the Securities and Exchange Commission, any stock exchange upon which such Shares are listed and any other Applicable Law, and the Administrator may cause a restrictive legend or legends to be put on any certificates for such Shares to make appropriate reference to such restrictions.

**7.** **Transferability.**

The Award may not be assigned, alienated, pledged, attached, sold, or otherwise transferred or encumbered by the Grantee other than transfers for no consideration by will or by the laws of descent and distribution, and any such purported assignment, alienation, pledge, attachment, sale, transfer, or encumbrance shall be void and unenforceable against the Company or any Affiliate; provided that the designation of a beneficiary shall not constitute an assignment, alienation, pledge, attachment, sale, transfer, or encumbrance. No such permitted transfer of the Award to heirs or legatees of the Grantee shall be effective to bind the Company unless the Administrator shall have been furnished with written notice thereof and a copy of such evidence as the Administrator may deem necessary to establish the validity of the transfer and the acceptance by the transferee or transferees of the terms and conditions hereof.

**8.** **Withholding; Tax Consequences.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Prior to the delivery of a certificate or certificates for the Shares subject to the Award (or other written evidence of ownership), the Grantee may be required to pay to the Company or any Affiliate in cash the amount of any tax or other amount required by any governmental authority to be withheld and paid over by the Company or an Affiliate to such authority for the account of the Grantee. Notwithstanding the foregoing, the Company shall have the right and is hereby authorized to withhold (including from payroll or any other amounts payable to the Grantee), any applicable withholding taxes in respect of the Award, its vesting, or any payment or transfer under or with respect to the Award and to take such other action as may be necessary in the opinion of the Administrator to satisfy all obligations for the payment of such withholding taxes. Without limiting the generality of the foregoing, to the extent permitted by the Administrator, the Grantee may satisfy, in whole or in part, the foregoing withholding liability by delivery of shares of Common Stock held by the Grantee (which are fully vested and not subject to any pledge or other security interest) or by having the Company withhold from the number of Shares otherwise deliverable to the Grantee hereunder Shares with a Fair Market Value as of the date that the amount of tax to be withheld is determined no greater than the aggregate amount of such withholding obligations based on the maximum statutory withholding rate in the Grantee's applicable jurisdiction for federal, state, local, and foreign income and payroll tax purposes. The Grantee further agrees to make adequate provision for any sums required to satisfy all applicable federal, state, local, and foreign tax withholding obligations of the Company which may arise in connection with the Award.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)The Grantee acknowledges that the Company has made no warranties or representations to the Grantee with respect to the tax consequences (including but not limited to income tax consequences) with respect to the transactions contemplated by this Agreement, and the Grantee is in no manner relying on the Company or its representatives for an assessment of such tax consequences. The Grantee acknowledges that there may be adverse tax consequences upon the grant or vesting of the Award and/or the acquisition or disposition of the Shares subject to the Award and that he or she has been advised that he or she should consult with his or her own attorney, accountant, and/or tax advisor

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regarding the decision to enter into this Agreement and the consequences thereof. The Grantee also acknowledges that the Company has no responsibility to take or refrain from taking any actions in order to achieve a certain tax result for the Grantee.

**9.** **Compliance with Applicable Law.**

Upon the acquisition of any Shares pursuant to the vesting of the Award, the Grantee will make or enter into such written representations, warranties, and agreements as the Administrator may reasonably request in order to comply with Applicable Law or with this Agreement. Notwithstanding any other provision in this Agreement to the contrary, the Company shall not be obligated to issue, deliver, or transfer Shares, make any other distribution of benefits, or take any other action, unless such delivery, distribution, or action is in compliance with Applicable Law (including but not limited to the requirements of the Securities Act).

**10.** **Notices.**

Any notice necessary under this Agreement shall be addressed to the Company in care of its Secretary at the principal executive office of the Company and to the Grantee at the address appearing in the personnel or business records of the Company for the Grantee or to either party at such other address as either party hereto may hereafter designate in writing to the other. Any such notice shall be deemed effective upon receipt thereof by the addressee.

**11.** **Governing Law.**

This Agreement shall be governed by and construed in accordance with the laws of the state of Delaware without regard to conflicts of laws, and in accordance with applicable federal laws of the United States. Any and all disputes between the Grantee or any person claiming through him or her and the Company or any Affiliate relating to this Agreement shall be brought only in the state courts of Greenville, South Carolina, or the United States District Court for the District of South Carolina, Greenville division, as appropriate.

**12.** **Award Subject to Plan Terms.**

By entering into this Agreement, the Grantee agrees and acknowledges that the Grantee has received and read a copy of the Plan and prospectus relating to the Shares subject to the Award. The Grantee acknowledges and agrees that the Award is granted as a stand-alone award and not under the Plan but is subject to the terms and conditions of the Plan (unless otherwise determined by the Administrator). The terms and provisions of the Plan, as they may be amended from time to time, are hereby incorporated herein by reference. In the event of a conflict between any express term or provision contained herein and a term or provision of the Plan, the applicable terms and provisions of this Agreement will govern and prevail, unless the Administrator determines otherwise.

**13.** **Signature in Counterparts.**

This Agreement may be signed in counterparts, each of which shall be an original, with the same effect as if the signatures thereto and hereto were upon the same instrument.

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**14.** **Amendment; Waiver; Superseding Effect.**

This Agreement may be modified or amended as provided in the Plan. The waiver by the Company of a breach of any provision of this Agreement by the Grantee shall not operate or be construed as a waiver of any subsequent breach by the Grantee. This Agreement supersedes any statements, representations, or agreements of the Company with respect to the grant of the Award or any related rights (including but not limited to any statements, representations, or agreements under the terms of any offer letter agreement, term sheet, or similar instruments), and the Grantee hereby waives any rights or claims related to any such statements, representations, or agreements.

**15.** **Recoupment and Forfeiture.**

As a condition to receiving the Award, the Grantee agrees that he or she shall abide by (a) the Company's Dodd-Frank Act Compensation Recoupment (Clawback) Policy, (b) the Company's Supplemental Compensation Recoupment (Clawback) Policy, (c) the Company's Stock Ownership and Retention Policy (including but not limited to such policy's stock retention requirements), and/or (d) other policies adopted by the Company or an Affiliate, each as in effect from time to time and to the extent applicable to the Grantee. Further, the Grantee shall be subject to such compensation recovery, recoupment, forfeiture, or other similar provisions as may apply under Applicable Law.

**16.** **Administration.** 

The authority to construe and interpret this Agreement and to administer all aspects of this Agreement shall be vested in the Administrator, and the Administrator shall have all powers with respect to this Agreement as are provided in the Plan, including but not limited to the sole authority to determine whether and to what degree the Award is earned and vested. Any interpretation of this Agreement by the Administrator and any decision made by it with respect to this Agreement is final and binding.

**17.** **Severability.**

The provisions of this Agreement are severable and if any one or more provisions shall be held illegal or invalid for any reason, such illegality or invalidity shall not affect the remaining parts of this Agreement, and this Agreement shall be construed and enforced as if the illegal or invalid provision had not been included.

**18.** **Right of Offset.** 

Notwithstanding any other provision of this Agreement, the Company may at any time (subject to any Code Section 409A considerations) reduce the amount of any payment or benefit otherwise payable to or on behalf of the Grantee by the amount of any obligation of the Grantee to the Company or an Affiliate that is or becomes due and payable, and by entering into this Agreement, the Grantee shall be deemed to have consented to such reduction.

**19.** **Electronic Delivery and Acceptance.** 

The Company may, in its sole discretion, elect to deliver this Agreement, the Plan, the prospectus relating to the Shares subject to the Award, Company annual reports, stockholder communications, and any other documents related to this Agreement by electronic means. By entering into this Agreement, the Grantee hereby consents to receive such documents by electronic delivery and agrees to participate

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as a party to this Agreement through an online or electronic system established and maintained by the Company or a third party designated by the Company. The Grantee's online or electronic acceptance of this Agreement constitutes the Grantee's agreement to this Agreement's terms and the Grantee's acknowledgement that he or she has received the documents described above.

*[Signature Page to Follow]*

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IN WITNESS WHEREOF, the parties have caused this Agreement to be effective as of the Date of Grant specified below.

Date of Grant: [_____ __]

Performance Period: [_________________]

Service Period Completion Date: [________________]

Number of Target PRSUs: The target number of PRSUs for the Performance Period for the Grantee is set forth beneath the Grantee's signature to this Agreement (the "<u>Target PRSUs</u>"). Notwithstanding the foregoing, in the event that the Grantee's employment or service with the Company is terminated prior to the Service Period Completion Date due to a Qualifying Termination, then a pro-rata portion of the Target PRSUs may be earned and vested in accordance with this Agreement. [The pro-rata portion that may be earned and vested shall be determined by multiplying the total number of the Target PRSUs by a fraction, the numerator of which is the number of calendar days elapsed between the first day of the calendar year that includes the Date of Grant and the date of the Qualifying Termination, and the denominator of which is the total number of calendar days in the three-calendar-year period ending on the Service Period Completion Date.] [modify method of proration, if necessary] Following a Qualifying Termination, the use of the term "Target PRSUs" shall mean the pro-rata portion of the Target PRSUs as determined pursuant to the immediately preceding sentence.

Performance Goals: [____________]as described in Schedule A

Target PRSUs Earned: The actual number of Shares, if any, subject to the Award that may be earned shall be determined based on the attainment of the Performance Goals specified in Schedule A, as determined by the Administrator following the end of the Performance Period; provided, however, that, except as provided in this Agreement or the Plan (for instance, with respect to a Qualifying Termination), no Shares shall vest and be issuable to the Grantee unless the Grantee is continuously employed by or in service with the Company from the Date of Grant until the Service Period Completion Date and the provisions of Schedule A are met. The Grantee is eligible to earn from 0% to [____%] of the Target PRSUs based on attainment of the [__________] for the Performance

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Period, as determined in accordance with Schedule A to this Agreement.

One share of the Company's stock will be issued for each PRSU that is earned and vested in accordance with this Agreement, including Schedule A.

**Grantee:**

<u>###ACCEPTANCE_DATE###</u> 

Printed Name: ###GRANTEE_NAME###

Target PRSUs: ###TOTAL_AWARDS###

**Regional Management Corp.** 

By: ________________________________

Name: [__________]

Its: [__________]

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**<u>Schedule A</u>**

**REGIONAL MANAGEMENT CORP.**

**PERFORMANCE RESTRICTED STOCK UNIT AWARD AGREEMENT**

**(INDUCEMENT GRANT)**

Schedule A sets forth the performance goals (the "<u>Performance Goals</u>") and certain other terms and conditions for the performance-based and service-based Performance Restricted Stock Unit Award (the "<u>Award</u>"), evidenced by the Performance Restricted Stock Unit Award Agreement (Inducement Grant) (the "<u>Agreement</u>") to which Schedule A is attached. Capitalized terms not expressly defined in this Schedule A but defined in the Plan or this Agreement shall have the same definitions as in the Plan and/or this Agreement, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1. <u>Vesting Terms of Target PRSUs</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Subject to the terms of this Agreement, the number of PRSUs that are eligible to be earned shall be based on the [_________] for the Performance Period (set forth on the Signature Page above) as described in Section 1 herein; provided that (except as otherwise provided in this Agreement) the Grantee is employed by or in service with the Company on the Service Period Completion Date and has been continuously employed or in service since the Date of Grant. Specifically, if the [_________] during the Performance Period is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)Below [_______________________] (the "<u>Threshold Value</u>"), then the applicable payout percentage (the "<u>Applicable Payout Percentage</u>") shall equal [____________]%;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)Equal to [___________________] (that is, the Threshold Value), then the Applicable Payout Percentage shall equal [___]%;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)Equal to [______________] (the "<u>Target Value</u>"), then the Applicable Payout Percentage shall equal 100% (i.e., yielding Shares equal to the Target PRSUs);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)Equal to or greater than [_____________] (the "<u>Maximum Value</u>"), then the Applicable Payout Percentage shall equal [____]%;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v)Equal to an amount greater than the Threshold Value and less than the Target Value, then the Applicable Payout Percentage shall be determined on the basis of linear interpolation between [___]% and 100%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi)Equal to an amount greater than the Target Value and less than the Maximum Value, then the Applicable Payout Percentage shall be determined on the basis of linear interpolation between 100% and [___]%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)For clarity, no PRSUs shall be earned pursuant to the Award if [______________] is less than [________], and the maximum number of PRSUs earned pursuant to this Award Agreement shall be [___]% of the Target PRSUs.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)[In addition to the foregoing [ ] requirements, the PRSUs (including any Dividend Equivalents related to the Award) shall not vest or be earned in whole or in part, without regard to the [ ] performance, unless the Administrator determines that the [ ] for the Performance Period is at least [ ].]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)As soon as practicable after the end of the Performance Period, the Administrator shall certify the level of achievement of [_______] for the Performance Period and determine the extent to which the PRSUs have been earned, based on the number of Target PRSUs multiplied by the Applicable Payout Percentage. No Award shall be payable until the Administrator determines the extent, if any, to which the Performance Goals were met. The Administrator's calculation of [_______________] [and ______________] for the Performance Period shall be conclusive and binding.

[An illustration of the above mechanism for determining the Applicable Payout Percentage at various [ ] values achieved during the Performance Period is as follows. The following is an illustration only and is not intended to, and does not constitute, any representation regarding future Company performance or the extent, if any, to which the PRSUs may become vested and earned.

**[ ]** **Applicable PayoutPercentage**

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

&nbsp;&nbsp;&nbsp;&nbsp;[ ] [ ]%

## ]
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2. <u>Definitions</u>:** 

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## Exhibit 5.1

**EXHIBIT 5.1**

**[Letterhead of Womble Bond Dickinson (US) LLP]**

November 10, 2025

Regional Management Corp.

979 Batesville Road, Suite B

Greer, South Carolina 29651

Re: Registration Statement on Form S-8 Relating to Employment Inducement Awards

Ladies and Gentlemen:

We have acted as counsel to Regional Management Corp., a Delaware corporation (the "Company"), in connection with the preparation of the Company's above-referenced registration statement on Form S-8 (the "Registration Statement") under the Securities Act of 1933, as amended (the "Securities Act"), filed by the Company with the Securities and Exchange Commission (the "Commission"). The Registration Statement relates to the 120,000 shares of the Company's common stock, $0.10 par value per share (the "Shares"), which are proposed to be issued by the Company upon the vesting and settlement of those certain employment inducement awards (within the meaning of the New York Stock Exchange Listed Company Manual Rule 303A.08) granted pursuant to Restricted Stock Award Agreements (Inducement Grant), by and between the Company and Lakhbir S. Lamba and a Performance Restricted Stock Unit Award Agreement (Inducement Grant), by and between the Company and Mr. Lamba (together, the "Employment Inducement Award Agreements"). This opinion is provided pursuant to the requirements of Item 8(a) of Form S-8 and Item 601(b)(5) of Regulation S-K.

As the Company's counsel, we have examined originals or copies, certified or otherwise identified to our satisfaction, of the Company's certificate of incorporation and by-laws, each as amended to date, and minutes and records of the corporate proceedings of the Company relating to the filing of the Registration Statement and the issuance of the Shares, as provided to us by the Company, certificates of public officials and of representatives of the Company, and statutes and other instruments and documents, as a basis for the opinions hereinafter expressed. In rendering this opinion, we have relied upon certificates of public officials and representatives of the Company with respect to the accuracy of the factual matters contained in such certificates.

In connection with such examination, we have assumed (a) the genuineness of all signatures and the legal capacity of all signatories; (b) the authenticity of all documents submitted to us as originals and the conformity to original documents of all documents submitted to us as certified or photostatic copies; and (c) the proper issuance and accuracy of certificates of public officials and representatives of the Company. In rendering opinions as to future events, we have assumed the facts and law existing on the date hereof.

Based on and subject to the foregoing, and having regard for such legal considerations as we deem relevant, it is our opinion that the Shares have been duly authorized by all necessary corporate action on the part of the Company, and, upon issuance, delivery and payment therefor in the manner contemplated by the Employment Inducement Award Agreements and the Registration Statement, the Shares will be validly issued, fully paid and non-assessable.

This opinion is limited to the General Corporation Law of the State of Delaware, as currently in effect, and we are expressing no opinion as to the effect of the laws of any other jurisdiction.

This opinion is rendered as of the date hereof, and we undertake no obligation to advise you of any changes in applicable law or any other matters that may come to our attention after the date hereof.

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We hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to any reference to the name of our firm in the Registration Statement. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act or the rules and regulations of the Commission thereunder.

Very truly yours,

/s/ Womble Bond Dickinson (US) LLP

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## Exhibit 23.1

**EXHIBIT 23.1**

**CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

We consent to the incorporation by reference in this Registration Statement on Form S-8 of our reports dated February 21, 2025 relating to the consolidated financial statements of Regional Management Corp. and subsidiaries, and the effectiveness of Regional Management Corp.'s and subsidiaries' internal control over financial reporting, appearing in the Annual Report on Form 10-K of Regional Management Corp. for the year ended December 31, 2024.

/s/ Deloitte & Touche LLP

Charlotte, North Carolina

November 10, 2025

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## Ex-Filing

?xml version='1.0' encoding='ASCII'? EX-FILING FEES

**EXHIBIT 107**

**Calculation of Filing Fee Table**

**Form** S-8

(Form Type)

Regional Management Corp.

(Exact Name of Registrant as Specified in its Charter)

**Newly Registered Securities**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Security <br>Type | Security <br>Class Title | Fee Calculation Rate | Amount Registered (1) | Proposed Maximum Offering Per Share (2) | Maximum Aggregate Offering Price | Fee Rate | Amount of Registration Fee |
| Equity | Common stock, par value $0.10 per share | Rules 457 (c) and (h) | 120000 | $37.29 | $4474800 | 0.00013810 | $617.97 |
| Total Offering Amount | Total Offering Amount | Total Offering Amount | Total Offering Amount |  | $4474800 |  | $617.97 |
| Total Fee Offsets | Total Fee Offsets | Total Fee Offsets | Total Fee Offsets |  |  |  |  |
| Net Fee Due | Net Fee Due | Net Fee Due | Net Fee Due |  |  |  | $617.97 |

---

<u>______________________</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)Represents 120,000 shares of common stock of Regional Management Corp. (the "<u>Company</u>"), which is the maximum number of shares of common stock that may be issued upon (i) the vesting of restricted stock awards, in accordance with the terms of the Restricted Stock Award Agreements (Inducement Grant) between the Company and Lakhbir S. Lamba and (ii) the vesting and settlement of performance restricted stock units, in accordance with the terms of a Performance Restricted Stock Unit Award Agreement (Inducement Grant) between the Company and Mr. Lamba. This Registration Statement also registers additional securities to be offered or issued upon adjustment or changes made to the registered securities by reason of any stock splits, stock dividends, or similar transactions as permitted by Rule 416(a) and Rule 416(b) under the Securities Act of 1933, as amended (the "<u>Securities Act</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)Estimated solely for purpose of calculating the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per share is estimated based on the average of the high and low prices of the Company's common stock on November 6, 2025, as reported on the New York Stock Exchange.

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