Document:

EX-10.1

 Exhibit 10.1 
 SECOND AMENDMENT TO CREDIT AGREEMENT 
 Second
Amendment to Credit Agreement, dated the 29th day of
March, 2013, by and among UNIVERSAL STAINLESS & ALLOY PRODUCTS, INC., a Delaware corporation (“Universal”), DUNKIRK SPECIALTY STEEL, LLC, a Delaware limited liability company (“Dunkirk”), NORTH JACKSON SPECIALTY STEEL,
LLC, a Delaware limited liability company (“North Jackson”) (Universal, Dunkirk and North Jackson are, each, a “Borrower” and collectively, the “Borrowers”), USAP HOLDINGS, INC., a Delaware corporation (the
“Guarantor”), PNC Bank, National Association (“PNC”) and various other financial institutions from time to time (PNC and such other financial institutions are each, a “Lender” and collectively, the “Lenders”)
and PNC, as administrative agent for the Lenders (PNC, in such capacity, the “Administrative Agent”) (the “Second Amendment”). 
 W I T N E S S E T H: 
 WHEREAS, the Borrowers, the Guarantor, the Lenders party thereto and the Administrative Agent entered into that certain Credit Agreement, dated as of August 18, 2011, as amended by that certain First
Amendment to Credit Agreement, dated March 19, 2012 (such Credit Agreement, as so amended and as further amended, modified, supplemented or restated from time to time, the “Credit Agreement”), pursuant to which, among other things,
the Lenders agreed to extend credit to the Borrowers; and 
 WHEREAS, the Borrowers and the Guarantor desire to amend certain
provisions of the Credit Agreement and the Administrative Agent and the Lenders desire to permit such amendments pursuant to the terms and conditions set forth herein. 
 NOW, THEREFORE, in consideration of the premises contained herein and other valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and intending to be legally bound hereby,
the parties hereto agree as follows: 
 1. All capitalized terms used herein which are defined in the Credit Agreement shall
have the same meaning herein as in the Credit Agreement unless the context clearly indicates otherwise. 
 2. Section 1.1
of the Credit Agreement is hereby amended by deleting the following definition in its entirety and in its stead inserting the following: 
 Specified North Jackson Capital Expenditures shall mean capital expenditures made to complete construction at the Mortgaged Premises and the installation and commissioning of equipment to be
installed at the Mortgaged Premises in connection with Universal’s purchase of the Business (as such term is defined in the Acquisition Agreement) pursuant to the Acquisition Agreement; provided, however, that (i) with respect to
such capital expenditures made in fiscal year 2012, such capital expenditures shall be deemed to be (a) Sixteen Million Two Hundred Thousand and 00/100 Dollars ($16,200,000.00) for purposes of calculating

 
Fixed Charges for the period of determination ending March 31, 2013, (b) Nine Million and 00/100 Dollars ($9,000,000.00) for purposes of calculating Fixed Charges for the period of
determination ending June 30, 2013, and (c) Two Million Two Hundred Thousand and 00/100 Dollars ($2,200,000.00) for purposes of calculating Fixed Charges for the period of determination ending September 30, 2013, and (ii) with
respect to such capital expenditures made after fiscal year 2012, such capital expenditures shall not be considered Specified North Jackson Capital Expenditures for the applicable period during which such expenditures were made and shall accordingly
be included in the calculation of Fixed Charges. 
 3. Section 8.2.17 of the Credit Agreement is hereby deleted in its
entirety and in its stead is inserted the following: 
 8.2.17 Minimum Fixed Charge Coverage Ratio. The
Loan Parties shall not permit the Fixed Charge Coverage Ratio to be less than (i) 1.10 to 1.00, calculated as of March 31, 2013 and the end of each fiscal quarter thereafter through and including June 30, 2014, in each case for the
four (4) fiscal quarters then ended, and (ii) 1.20 to 1.00, calculated as of September 30, 2014 and the end of each fiscal quarter thereafter, in each case for the four (4) fiscal quarters then ended. 

4. Section 8.2.18 of the Credit Agreement is hereby deleted in its entirety and in its stead is inserted the following: 

8.2.18 Maximum Leverage Ratio. The Loan Parties shall not permit the Leverage Ratio to exceed (i) 3.75 to
1.00, calculated as of March 31, 2013, June 30, 2013 and September 30, 2013 in each case for the four (4) fiscal quarters then ended, (ii) 3.50 to 1.00, calculated as of December 31, 2013 for the four
(4) fiscal quarters then ended, (iii) 3.25 to 1.00, calculated as of March 31, 2014 for the four (4) fiscal quarters then ended, (iv) 3.00 to 1.00, calculated as of June 30, 2014 for the four (4) fiscal quarters
then ended, and (v) 2.75 to 1.00, calculated as of September 30, 2014 and the end of each fiscal quarter thereafter, in each case for the four (4) fiscal quarters then ended. 

5. Schedule 1.1(A) of the Credit Agreement is hereby deleted in its entirety and in its stead is inserted the Schedule
1.1(A) attached hereto. 
 6. Exhibit 8.3.3 of the Credit Agreement is hereby deleted in its entirety and in its
stead is inserted the Exhibit 8.3.3 attached hereto. 

 7. The provisions of Sections 2 through 6 of this Second Amendment shall not become
effective until the Administrative Agent has received the following, each in form and substance acceptable to the Administrative Agent: 
  

	 	(a)	this Second Amendment, duly executed by the Borrowers, the Guarantor, the Lenders and the Administrative Agent; 

 

	 	(b)	the documents and conditions listed in the Preliminary Closing Agenda set forth on Exhibit A attached hereto and made a part hereof;

  

	 	(c)	payment of all fees and expenses owed to the Agent and its counsel in connection with this Second Amendment; and 

 

	 	(d)	such other documents as may be reasonably requested by the Administrative Agent. 

 8. The Loan Parties hereby reconfirm and reaffirm all representations and warranties, agreements and covenants made by and pursuant to the terms and conditions of the Credit Agreement, except as such
representations and warranties, agreements and covenants may have heretofore been amended, modified or waived in writing in accordance with the Credit Agreement or as set forth in this Second Amendment and except any such representations or
warranties made as of a specific date or time, which shall have been true and correct in all material respects as of such date or time. 
 9. The Loan Parties acknowledge and agree that each and every document, instrument or agreement which at any time has secured payment of the Obligations including, but not limited to, the Credit
Agreement, each Patent, Trademark and Copyright Security Agreement, each Pledge Agreement, the Security Agreement, the Mortgage and the Lease Assignment continue to secure prompt payment when due of the Obligations. 

10. The Loan Parties hereby represent and warrant to the Lenders and the Administrative Agent that (i) the Loan Parties have the
legal power and authority to execute and deliver this Second Amendment; (ii) the officers of the Loan Parties executing this Second Amendment have been duly authorized to execute and deliver the same and bind the Loan Parties with respect to
the provisions hereof; (iii) the execution and delivery hereof by the Loan Parties and the performance and observance by the Loan Parties of the provisions hereof and of the Credit Agreement and all documents executed or to be executed
therewith, do not violate or conflict with the organizational documents of the Loan Parties or any law applicable to the Loan Parties or result in a breach of any provision of or constitute a default under any other agreement, instrument or document
binding upon or enforceable against the Loan Parties and (iv) this Second Amendment, the Credit Agreement and the documents executed or to be executed by the Loan Parties in connection herewith or therewith constitute valid and binding
obligations of the Loan Parties in every respect, enforceable in accordance with their respective terms. 
 11. The Loan Parties
represent and warrant that (i) no Event of Default exists under the Credit Agreement, nor will any occur as a result of the execution and delivery of this Second 

 
Amendment or the performance or observance of any provision hereof; and (ii) they presently have no claims or actions of any kind at law or in equity against the Lenders and/or the
Administrative Agent arising out of or in any way relating to the Credit Agreement or the other Loan Documents. 
 12. Each
reference to the Credit Agreement that is made in the Credit Agreement or any other document executed or to be executed in connection therewith shall hereafter be construed as a reference to the Credit Agreement as amended hereby. 

13. The agreements contained in this Second Amendment are limited to the specific agreements contained herein. Except as amended hereby,
all of the terms and conditions of the Credit Agreement and the other Loan Documents shall remain in full force and effect. This Second Amendment amends the Credit Agreement and is not a novation thereof. 

14. This Second Amendment may be executed in any number of counterparts and by the different parties hereto on separate counterparts each
of which, when so executed, shall be deemed to be an original, but all such counterparts shall constitute but one and the same instrument. 
 15. This Second Amendment shall be governed by, and shall be construed and enforced in accordance with, the Laws of the Commonwealth of Pennsylvania without regard to the principles of conflicts of law
thereof. The Loan Parties hereby consent to the jurisdiction and venue of any federal or state court located in the Commonwealth of Pennsylvania with respect to any suit arising out of or mentioning this Second Amendment. 

[INTENTIONALLY LEFT BLANK] 

 IN WITNESS WHEREOF, and intending to be legally bound, the parties hereto, have caused this
Second Amendment to be duly executed by their duly authorized officers on the day and year first above written. 
  

									
		 		 	BORROWERS:
			
	WITNESS:	 		 	UNIVERSAL STAINLESS & ALLOY PRODUCTS, INC.
					
	 /s/    Paul A.
McGrath        
	 		 	By:	 	 /s/    Douglas
McSorley        
	 	(SEAL)
					
		 		 	Name:	 	 Douglas McSorley
	 	
					
		 		 	Title:	 	 Chief Financial Officer
	 	
			
	WITNESS:	 		 	DUNKIRK SPECIALTY STEEL, LLC
					
	 /s/    Paul A.
McGrath        
	 		 	By:	 	 /s/    Douglas
McSorley        
	 	(SEAL)
					
		 		 	Name:	 	 Douglas McSorley
	 	
					
		 		 	Title:	 	 Executive Officer
	 	
			
	WITNESS:	 		 	NORTH JACKSON SPECIALTY STEEL, LLC
					
	 /s/    Paul A.
McGrath        
	 		 	By:	 	 /s/    Douglas
McSorley        
	 	(SEAL)
					
		 		 	Name:	 	 Douglas McSorley
	 	
					
		 		 	Title:	 	 Treasurer
	 	
			
		 		 	GUARANTOR:
			
	WITNESS:	 		 	USAP HOLDINGS, INC.
					
	 /s/    Paul A.
McGrath        
	 		 	By:	 	 /s/    Douglas
McSorley        
	 	(SEAL)
					
		 		 	Name:	 	 Douglas McSorley
	 	
					
		 		 	Title:	 	 Vice President
	 	

 
			
	ADMINISTRATIVE AGENT AND LENDERS:
	
	PNC BANK, NATIONAL ASSOCIATION, as a Lender and as Administrative Agent
		
	By:	 	 /s/ James O’Brien

	Name:	 	 James O’Brien

	Title:	 	 Assistant Vice President

	
	THE HUNTINGTON NATIONAL BANK, as a Lender
		
	By:	 	 /s/ M. P. DiClemente

	Name:	 	 Michael P. DiClemente

	Title:	 	 Vice President

	
	FIFTH THIRD BANK, as a Lender
		
	By:	 	 /s/ Victor Notaro

	Name:	 	 Victor Notaro

	Title:	 	 Senior Vice President

	
	FIRST NATIONAL BANK OF PENNSYLVANIA, as a Lender
		
	By:	 	 /s/ Diane Geisler

	Name:	 	 Diane Geisler

	Title:	 	 Vice President

	
	FIRST COMMONWEALTH BANK, as a Lender
		
	By:	 	 /s/ Brian J. Sohocki

	Name:	 	 Brian J. Sohocki

	Title:	 	 Senior Vice President

 EXHIBIT A 

PRELIMINARY CLOSING AGENDA 
 (See Attached) 

 PRELIMINARY CLOSING AGENDA 

This preliminary closing agenda contains the documents to be delivered in connection with a second amendment to One Hundred Twenty-Five
Million and 00/100 Dollar ($125,000,000.00) credit facility provided to Universal Stainless & Alloy Products, Inc., a Delaware corporation (“Universal”), Dunkirk Specialty Steel, LLC, a Delaware limited
liability company (“Dunkirk”) and North Jackson Specialty Steel, LLC, a Delaware limited liability company (“North Jackson”) (Universal, Dunkirk and North Jackson are each, a “Borrower” and
collectively, the “Borrowers”, by PNC Bank, National Association (“PNC Bank”) and various other financial institutions from time to time (PNC Bank and such other financial institutions are each, a
“Lender” and collectively, the “Lenders”), PNC Bank, as administrative and collateral agent for the Lenders (in such capacity, the “Agent”) and PNC Capital Markets LLC, a Pennsylvania
limited liability company, as the lead arranger (the “Lead Arranger”). 
  

							
	 No.
	  	 GENERAL LOAN DOCUMENTS
	  	 Responsible
Party
	  	 Status

				
	1.	  	Second Amendment to Credit Agreement, by and among the Borrowers, USAP Holdings, Inc., a Delaware corporation, the Lenders and the Agent (the “Second
Amendment”).	  	Agent	  	
				
	2.	  	Amended schedules to Credit Agreement, as applicable and appropriate:	  		  	
				
		  	 a.      Schedule 1.1(A) – Pricing Grid (Interest and Letter of Credit Fee).
	  	Agent	  	
				
	3.	  	Amended exhibits to Credit Agreement:	  	Agent	  	
				
		  	 a.      Exhibit 8.3.3 – Form of Compliance Certificate.
	  	Agent	  	
				
	4.	  	Second Modification to Open-End Mortgage and Security Agreement and Assignment of Rents and Leases, made by North Jackson to the Agent with respect to certain premises and
improvements located thereon located in Mahoning County, Ohio (the “Mortgaged Premises”) (the “Modification”).	  	Agent	  	
				
	  	  	 TITLE AND SURVEY DOCUMENTS
	  	  	  	  
				
	5.	  	Title Bring-Down with respect to the Mortgaged Premises and Modification Endorsement insuring the Modification.	  	Borrowers/ Agent	  	Waived
				
	6.	  	Flood Certificate with respect to the Mortgaged Premises.	  	Agent	  	

							
	  	  	 ORGANIZATIONAL DOCUMENTS
	  	  	  	  
				
	  	  	 Universal
	  	  	  	  
				
	7.	  	Good Standing Certificates of Universal from the Secretary of State of the State of Delaware (long form), and each jurisdiction in which it is registered to do business as a foreign
corporation, if any.	  	Borrowers	  	
				
	8.	  	Tax Lien Certificates of Universal from each jurisdiction in which it is registered to do business as a foreign corporation, if any, to the extent that such certificates are
available in such jurisdictions.	  	Borrowers	  	
				
	9.	  	Certificate of the Secretary of Universal as to (i) resolutions of its Board of Directors authorizing Universal to enter into the Second Amendment and all related documents,
(ii) incumbency of its officers, and (iii) no amendments to its Certificate of Incorporation or Bylaws.	  	Borrowers	  	
				
	  	  	 Dunkirk
	  	  	  	  
				
	10.	  	Good Standing Certificates of Dunkirk from the Secretary of State of the State of Delaware (long form), and each jurisdiction in which it is registered to do business as a foreign
limited liability company, if any.	  	Borrowers	  	
				
	11.	  	Tax Lien Certificates of Dunkirk from the Department of Revenue of the State of Delaware and each jurisdiction in which it is registered to do business as a foreign limited
liability company, if any, to the extent that such certificates are available in such jurisdictions.	  	Borrowers	  	
				
	12.	  	Certificate of the Secretary of Dunkirk as to (i) resolutions of the sole Member authorizing Dunkirk to enter into the Second Amendment and all related documents,
(ii) incumbency of its officers, and (iii) no amendments to its Certificate of Formation or Limited Liability Company Agreement.	  	Borrowers	  	
				
	  	  	 North Jackson
	  	  	  	  
				
	13.	  	Good Standing Certificates of North Jackson from the Secretary of State of the State of Delaware (long form), and each jurisdiction in which it is registered to do business as a
foreign limited liability company, if any.	  	Borrowers	  	

  
 - 2 -

							
	14.	  	Tax Lien Certificates of North Jackson from the Department of Revenue of the State of Delaware and each jurisdiction in which it is registered to do business as a foreign limited
liability company, if any, to the extent that such certificates are available in such jurisdictions.	  	Borrowers	  	
				
	15.	  	Certificate of the Secretary of North Jackson as to (i) resolutions of sole Member authorizing North Jackson to enter into the Second Amendment and all related documents,
(ii) incumbency of its officers, and (iii) no amendments to its Certificate of Formation or Limited Liability Company Agreement.	  	Borrowers	  	
				
	  	  	 Guarantor
	  	  	  	  
				
	16.	  	Good Standing Certificates of the Guarantor from the Secretary of State of the State of Delaware (long form), and each jurisdiction in which it is registered to do business as a
foreign corporation, if any.	  	Borrowers	  	
				
	17.	  	Tax Lien Certificates of the Guarantor from each jurisdiction in which it is registered to do business as a foreign corporation, if any, to the extent that such certificates are
available in such jurisdictions.	  	Borrowers	  	
				
	18.	  	Certificate of the Secretary of the Guarantor as to (i) resolutions of its Board of Directors authorizing the Guarantor to enter into the Second Amendment and all related
documents, (ii) incumbency of its officers, and (iii) no amendments to its Certificate of Incorporation or Bylaws.	  	Borrowers	  	
				
	  	  	 RELATED DOCUMENTS
	  	  	  	  
				
	19.	  	UCC Lien Searches with respect to each Loan Party (at the state level only) in such party’s jurisdiction of formation or incorporation, as the case may be (collectively, the
“Lien Searches”).	  	Borrowers	  	
				
	20.	  	Fully-executed copies of the UCC-3 Termination Statements and any other releases that may be necessary to satisfy any and all existing liens on the assets of the Loan Parties or the
Sellers or disclosed by the Lien Searches which are not permitted pursuant to the terms of the Credit Agreement (including, payoff letters, if applicable), all in form and substance satisfactory to the Agent and the Lead Arranger.	  	Borrowers/ Agent	  	

  
 - 3 -

							
	21.	  	Opinions of Counsel to the Loan Parties (including local counsel opinions), in form and substance satisfactory to the Agent, the Lead Arranger and the Lenders.	  	Borrowers	  	Ohio Opinion of Counsel Waived
				
	22.	  	Officer’s Certificate regarding no Event of Default or Potential Default, compliance with covenants, no material adverse change and the accuracy of representations and
warranties, etc..	  	Borrowers	  	

  
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 SCHEDULE 1.1(A) 

PRICING GRID— 
 VARIABLE PRICING AND LETTER OF CREDIT FEES BASED ON LEVERAGE RATIO 
  

																							
	 Level
	  	 Leverage Ratio
	  	Letter
of
Credit
Fee	 	 	Revolving
Credit
Base Rate
Spread	 	 	Term
Loan
Base
Rate
Spread	 	 	Revolving
Credit
LIBOR
Rate
Spread	 	 	Term
Loan
LIBOR
Rate
Spread	 
							
	 I
	  	Less than 1.5 to 1.0	  	 	1.50	% 	 	 	.50	% 	 	 	.50	% 	 	 	1.50	% 	 	 	1.50	% 
							
	 II
	  	Greater than or equal to 1.5 to 1.0 but less than 2.25 to 1.0	  	 	1.75	% 	 	 	.75	% 	 	 	.75	% 	 	 	1.75	% 	 	 	1.75	% 
							
	 III
	  	Greater than or equal to 2.25 to 1.0 but less than 3.0 to 1.0	  	 	2.00	% 	 	 	1.00	% 	 	 	1.00	% 	 	 	2.00	% 	 	 	2.00	% 
							
	 IV
	  	Greater than or equal to 3.00 to 1.0 but less than 3.5 to 1.0	  	 	2.25	% 	 	 	1.25	% 	 	 	1.25	% 	 	 	2.25	% 	 	 	2.25	% 
							
	 V
	  	Greater than or equal to 3.50 to 1.0	  	 	2.50	% 	 	 	1.50	% 	 	 	1.50	% 	 	 	2.50	% 	 	 	2.50	% 

 For purposes of determining the Applicable Margin and the Applicable Letter of Credit Fee Rate:

 (a) The Applicable Margin and the Applicable Letter of Credit Fee Rate shall be determined on the Closing Date based on the
Leverage Ratio computed on such date pursuant to the Closing Compliance Certificate. 

 (b) The Applicable Margin and the Applicable Letter of Credit Fee Rate shall be recomputed
as of the end of each fiscal quarter ending after the Closing Date based on the Leverage Ratio as of such quarter end. Any increase or decrease in the Applicable Margin or the Applicable Letter of Credit Fee Rate computed as of a quarter end shall
be effective on the date on which the Compliance Certificate evidencing such computation is due to be delivered under Section 8.3.3 [Certificate of Universal]. If a Compliance Certificate is not delivered when due in accordance with such
Section 8.3.3, then the rates in Level V shall apply as of the first Business Day after the date on which such Compliance Certificate was required to have been delivered and shall remain in effect until the date on which such Compliance
Certificate is delivered. 
 (c) If, as a result of any restatement of or other adjustment to the financial statements of the
Loan Parties or for any other reason, the Loan Parties or the Lenders determine that (i) the Leverage Ratio as calculated by the Loan Parties as of any applicable date was inaccurate and (ii) a proper calculation of the Leverage Ratio
would have resulted in higher pricing for such period, the Borrowers shall immediately and retroactively be obligated to pay to the Administrative Agent for the account of the applicable Lenders, promptly on demand by the Administrative Agent (or,
after the occurrence of an actual or deemed entry of an order for relief with respect to any Loan Party under the Bankruptcy Code of the United States, automatically and without further action by the Administrative Agent, any Lender or the Issuing
Lender), an amount equal to the excess of the amount of interest and fees that should have been paid for such period over the amount of interest and fees actually paid for such period. This paragraph shall not limit the rights of the Administrative
Agent, any Lender or the Issuing Lender, as the case may be, under Section 2.8 [Letter of Credit Subfacility] or 4.3 [Interest After Default] or 9 [Default]. The Borrowers’ obligations under this paragraph shall survive the termination of
the Commitments and the repayment of all other Obligations hereunder. 

 EXHIBIT 8.3.3 

FORM OF COMPLIANCE CERTIFICATE 
 (See Attached) 

 EXHIBIT 8.3.3 
 FORM OF 
 COMPLIANCE CERTIFICATE 

                    , 201  

 PNC Bank, National Association, 
 as
Administrative Agent 
 Three PNC Plaza 

255 Fifth Avenue 
 Pittsburgh, PA 15222

 Ladies and Gentlemen: 
 I refer to the Credit Agreement, dated as of August 18, 2011, by and among Universal Stainless & Alloy Products, Inc., a Delaware corporation (“Universal”), Dunkirk Specialty
Steel, LLC, a Delaware limited liability company (“Dunkirk”), North Jackson Specialty Steel, LLC, a Delaware limited liability company (“North Jackson”) (Universal, Dunkirk, and North Jackson are each, a “Borrower” and
collectively, the “Borrowers”), the Guarantors (as defined therein) party thereto, PNC Bank, National Association (“PNC Bank”) and various other financial institutions from time to time (PNC Bank and such other financial
institutions are each a “Lender” and collectively, the “Lenders”), and PNC Bank, as administrative agent for the Lenders (in such capacity, the “Administrative Agent”),as amended by that certain (i) First Amendment
to Credit Agreement, dated March 19, 2012, by and among the Borrowers, the Guarantors party thereto, the Lenders party thereto and the Administrative Agent and (ii) Second Amendment to Credit Agreement, dated March 29, 2013, by and
among the Borrowers, the Guarantors party thereto, the Lenders party thereto and the Administrative Agent (as may be further amended, modified, supplemented or restated from time to time, the “Credit Agreement”). Unless otherwise defined
herein, terms defined in the Credit Agreement are used herein with the same meanings. 
 I, the
                                 [Chief Executive Officer/President/Chief Financial
Officer/Treasurer or Assistant Treasurer] of each Borrower, do hereby certify on behalf of the Borrowers as of the              [quarter/year] ended
                         , 201   (the “Report Date”), as follows: 

1. CHECK ONE: 
  

			
		  	The annual financial statements of Universal and its Subsidiaries, consisting of an audited consolidated balance sheet and related audited consolidated statements of income,
stockholders’ equity and cash flows being delivered to the Administrative Agent and the Lenders with this Compliance Certificate (a) are all in reasonable detail and set forth in comparative form the financial statements as of the end of
and for the preceding fiscal year, and (b) comply with the reporting requirements for such financial statements as set forth in Section 8.3.2 [Annual Financial Statements] of the Credit
Agreement.

			
		
		  	OR
		
		  	The quarterly unaudited financial statements of Universal and its Subsidiaries, consisting of a consolidated balance sheet and related consolidated statements of income,
stockholders’ equity and cash flows being delivered to the Administrative Agent and the Lenders with this Compliance Certificate (a) are all in reasonable detail and have been prepared in accordance with GAAP, consistently applied (subject
to normal year-end audit adjustments), and set forth in comparative form the respective financial statements for the corresponding date and period in the previous fiscal year, and (b) comply with the reporting requirements for such financial
statements as set forth in Section 8.3.1 [Quarterly Financial Statements] of the Credit Agreement.

 2. The representations and warranties of the Loan Parties contained in Section 6 [Representations and Warranties] of
the Credit Agreement and in each of the other Loan Documents to which they are a party are true and correct in all respects with the same effect as though such representations and warranties had been made on and as of the Report Date (except
representations and warranties which relate solely to an earlier date or time, which representations and warranties were true and correct in all respects on and as of the specific dates or times referred to therein). 

3. In accordance with Section 6.2 [Updates to Schedules] of the Credit Agreement, attached hereto as Exhibit A are updates to the schedules
to the Credit Agreement (the “Updated Schedules”). Notwithstanding the foregoing, the Borrowers hereby acknowledge and agree that no schedule shall be deemed to have been amended, modified or superseded by the Updated Schedules, nor shall
any breach of warranty or representation resulting from the inaccuracy or incompleteness of any such Schedule be deemed to have been cured by the Updated Schedules, unless and until the Required Lenders, in their commercially reasonable discretion,
shall have accepted in writing the Updated Schedules. 
 4. No Event of Default or Potential Default has occurred and is continuing on the
Report Date. 
 [NOTE: If any Event of Default or Potential Default has occurred and is continuing, set forth on an attached
sheet the nature thereof and the action which the Loan Parties have taken, are taking or propose to take with respect thereto.] 
 5.
Indebtedness (Section 8.2.1(iii)). Indebtedness of the Loan Parties and their Subsidiaries with respect to Purchase Money Security Interests and capitalized leases, in the aggregate, as of the Report Date is
$        , which does not exceed Ten Million and 00/100 Dollars ($10,000,000.00) in the aggregate for all such Indebtedness. 
 6. Indebtedness (Section 8.2.1(vii)). Unsecured Indebtedness of the Loan Parties and their Subsidiaries, in the aggregate, as of the Report Date is
$        , which is Indebtedness other than the Indebtedness permitted by clauses (i) through (vi) of Section 8.2.1 of the Credit Agreement, which is not more than the permitted maximum of Five
Million and 00/100 Dollars ($5,000,000.00) in the aggregate at any time outstanding. 

  
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 7. Subsidiaries, Partnerships and Joint Ventures. The aggregate investment by the Loan Parties or any
of them in all Joint Ventures as of the Report Date is $        , which is not more than the permitted maximum of Fifteen Million and 00/100 Dollars ($15,000,000.00) at any time. 

8. Minimum Fixed Charge Coverage Ratio (Section 8.2.17). The Fixed Charge Coverage Ratio for the period equal to the four (4) consecutive
fiscal quarters ending as of the Report Date is                      to 1.0, which is not less than the required ratio of [1.10 to 1.00] [1.20 to
1.00] for such period. 
 (A) Consolidated EBITDA for the period equal to the four (4) consecutive fiscal quarters ending as
of the Report Date equals $        (the calculation of which is set forth in the attached spreadsheet). 
 (B) Fixed Charges for the period equal to the four (4) consecutive fiscal quarters ending as of the Report Date equals $        (the calculation of which is
set forth in the attached spreadsheet). 
 (C) the ratio of item 8(A) to item 8(B) equals the Fixed Charge Coverage Ratio.

 9. Maximum Leverage Ratio (Section 8.2.18). The Leverage Ratio for the period equal to the four (4) consecutive fiscal quarters
ending as of the Report Date is                      to 1.0, which is not greater than the permitted ratio of [3.75 to 1.00] [3.50 to 1.00] [3.25 to
1.00] [3.00 to 1.00] [2.75 to 1.00] for such period. 
 (A) Senior Indebtedness as of the Report Date equals
$         (the calculation of which is set forth in the attached spreadsheet). 
 (B)
Consolidated EBITDA for the period equal to the four (4) consecutive fiscal quarters ending as of the Report Date equals $         (the calculation of which is set forth in the attached spreadsheet).

 (C) The ratio of item 9(A) to item 9(B) equals the Leverage Ratio. 

[INTENTIONALLY LEFT BLANK] 

  
 - 3 -

 IN WITNESS WHEREOF, and intending to be legally bound, the undersigned have executed this
Compliance Certificate this      day of                     , 201  . 

 

									
		 		 	BORROWERS:	 	
				
	WITNESS:	 		 	Universal Stainless & Alloy Products, Inc.	 	
					
	  
	 		 	By:	 	  
	 	(SEAL)
		 		 	Name:	 	  

		 		 	Title:	 	  

				
	WITNESS:	 		 	Dunkirk Specialty Steel, LLC	 	
					
	  
	 		 	By:	 	  
	 	(SEAL)
		 		 	Name:	 	  

		 		 	Title:	 	  

				
	WITNESS:	 		 	North Jackson Specialty Steel, LLC	 	
					
	  
	 		 	By:	 	  
	 	(SEAL)
		 		 	Name:	 	  

		 		 	Title:	 	  

 EXHIBIT A 

[see attached] 

 SPREADSHEET 

[see attached]EX-10.1

 EXHIBIT 10.1 
 JOINDER AND SECOND AMENDMENT 
 TO 

FOURTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT 

This Joinder and Second Amendment to the Fourth Amended and Restated Loan and Security Agreement (this “Amendment”) is made as
of March 29, 2013, among Regional Management Corp., Regional Finance Corporation of South Carolina, Regional Finance Corporation of Georgia, Regional Finance Corporation of Texas, Regional Finance Corporation of North Carolina, Regional Finance
Corporation of Alabama, Regional Finance Corporation of Tennessee, Regional Finance Company of New Mexico, LLC, Regional Finance Company of Oklahoma, LLC, Regional Finance Company of Missouri, LLC, Regional Finance Company of Georgia, LLC, RMC
Financial Services of Florida, LLC, Regional Finance Company of Louisiana, LLC and Regional Finance Company of Mississippi, LLC (each individually a “Borrower” and collectively the “Borrowers”), the financial institutions listed
therein (such financial institutions, together with their respective successors and assigns, are referred to hereinafter each individually as a “Lender” and collectively as the “Lenders”) and Bank of America, N.A. as agent for
the Lenders (in its capacity as agent, the “Agent”). 
 RECITALS 

WHEREAS, the Borrowers (other than Regional Finance Company of Georgia, LLC, RMC Financial Services of Florida, LLC, Regional Finance
Company of Louisiana, LLC and Regional Finance Company of Mississippi, LLC), Lenders and Agent are parties to that certain Fourth Amended and Restated Loan and Security Agreement dated as of January 18, 2012 and amended on July 31, 2012
(as may be further amended, restated, modified, substituted, extended, or renewed from time to time, and together with all of its exhibits, schedules and attachments thereto, collectively the “Agreement” or the “Loan Agreement”);

 WHEREAS, the Borrowers acknowledge that as of the close of business on March 21, 2013, there is currently outstanding
the aggregate principal amount of $274,349,053.38 under the revolving credit facility. 
 WHEREAS, the Borrowers have requested
that the Lenders modify certain provisions of the Agreement and the Lenders are willing to do so on the terms and conditions as hereinafter set forth, including but not limited to the conditions that Regional Finance Company of Georgia, LLC, RMC
Financial Services of Florida, LLC, Regional Finance Company of Louisiana, LLC and Regional Finance Company of Mississippi, LLC (collectively, the “Additional Borrowers”) become a party to the Loan Agreement, each as a Borrower.

 AGREEMENT 
 NOW, THEREFORE, in consideration of the mutual covenants contained herein and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto
hereby agree as follows: 

	 	1.	The Borrowers, Lenders and Agent agree that the Recitals above are a part of this Amendment. Unless otherwise expressly defined in this Amendment, terms defined in the
Loan Agreement shall have the same meaning under this Amendment. 

  

	 	2.	The Borrowers represent and warrant to the Lenders as follows: 

 (a) Each Borrower is a corporation or limited liability company, as applicable, and is duly organized and validly existing in good standing under the laws of the state in which it is incorporated or
organized, as applicable. 
 (b) Each Borrower has the power and authority to execute and deliver this Amendment and perform its
obligations hereunder and has taken all necessary and appropriate corporate or limited liability company, as applicable, action to authorize the execution, delivery and performance of this Amendment. 

(c) The Loan Agreement, as amended by this Amendment, the Fourth Amended and Restated Pledge Agreement (as previously amended by that
certain First Amendment to Fourth Amended and Restated Pledge Agreement dated October 29, 2012 and that certain Second Amendment to Fourth Amended and Restated Pledge Agreement dated of even date herewith) and each of the other Loan Documents
are each hereby ratified, remain in full force and effect, and each constitutes the valid and legally binding obligation of each Borrower, enforceable in accordance with its terms. 

(d) All of the Borrowers’ representations and warranties contained in the Loan Agreement and the other Loan Documents are true and
correct on and as of the date of the Borrowers’ execution of this Amendment. 
 (e) No Event of Default and no event which,
with notice, lapse of time or both would constitute an Event of Default have occurred and are continuing under the Loan Agreement or the other Loan Documents. 
  

	 	3.	The Loan Agreement is hereby amended as follows: 

  

	 	(a)	Section 1.1 of the Agreement is hereby amended by deleting the definition of “Borrower” and “Borrowers” and replacing it with the
following: 

 “Borrower” and “Borrowers” shall mean Regional Management Corp.,
Regional Finance Corporation of South Carolina, Regional Finance Corporation of Georgia, Regional Finance Corporation of Texas, Regional Finance Corporation of North Carolina, Regional Finance Corporation of Alabama, Regional Finance Corporation of
Tennessee, Regional Finance Company of New Mexico, LLC, Regional Finance Company of Missouri, LLC, Regional Finance Company of Oklahoma, LLC, Regional Finance Company of Georgia, LLC, RMC Financial Services of Florida, LLC, Regional Finance Company
of Louisiana, LLC and Regional Finance Company of Mississippi, LLC (each individually a “Borrower” and collectively the “Borrowers”) 

  
 - 2 -

	 	(b)	Section 1.1 of the Agreement is hereby amended by deleting subsection (c) of the definition of “Collateral” and replacing it with the
following: 

 “(c) all Goods, Accounts, Chattel Paper, Commercial Tort Claims, Deposit Accounts, Documents,
General Intangibles, Instruments, Investment Property, Letter of Credit Rights, Letters of Credit and money, and all oil and gas and other minerals before extraction, of any Borrower in which any Lender receives a security interest or which
thereafter come into any Lender’s possession, custody, or control (each defined term listed above and not otherwise defined herein shall have the meaning ascribed to such term in the Uniform Commercial Code in any such relevant
jurisdiction);” 
  

	 	(c)	The Schedules of the Agreement are hereby deleted in their entirety and replaced with the Schedules attached hereto. 

 

	 	4.	This Amendment shall become effective when and only when (a) this Amendment shall be executed and delivered by each Borrower, the Agent and the Required Lenders,
(b) the Agent shall have received a certificate of the Secretary of each Borrower as to (x) resolutions of its board of directors, or applicable governing body, then in full force and effect authorizing the execution, delivery and
performance of this Amendment and (y) the incumbency signatures of those of its officers authorized to act with respect to this Amendment, (c) the Agent shall have received an executed Reaffirmation from the Guarantors, (d) the Agent
shall have received executed each of the Notes and the Pledge, as amended and restated and (e) the Agent shall have received such additional closing documents as it shall reasonably specify in connection with the transactions contemplated
hereby. 

  

	 	5.	The Borrowers hereby issue, ratify and confirm the representations, warranties and covenants contained in the Loan Agreement, as amended hereby and each of the other
Loan Documents given by the Borrowers in favor of the Lenders. The Borrowers agree that this Amendment is not intended to and shall not cause a novation with respect to any or all of the Obligations. Without limiting the generality of the foregoing,
the Additional Borrowers hereby grants to the Agent, for the benefit of the Agent and the Lenders, a continuing security interest, lien on, assignment of and right of setoff against, all Collateral of the Additional Borrowers, whether now owned or
hereafter acquired or arising, regardless of where located to secure the Obligations (as defined in the Loan Agreement). 

  
 - 3 -

	 	6.	In consideration of Regional Finance Company of Georgia, LLC, RMC Financial Services of Florida, LLC, Regional Finance Company of Louisiana, LLC and Regional Finance
Company of Mississippi, LLC becoming Borrowers under the Loan Agreement, the Borrowers and the Lenders hereby consent to and the Agent hereby acknowledges pursuant to Section 11.1(i) of the Loan Agreement the termination of (i) that
certain Security Agreement dated on or about October 29, 2012 between Regional Finance Company of Louisiana, LLC and the Agent, (ii) that certain Security Agreement dated as of October 29, 2012 between Regional Finance Company of
Mississippi, LLC and the Agent, (iii) that certain Guaranty dated on or about October 29, 2012 between Regional Finance Company of Louisiana, LLC and the Agent and (iv) that certain Guaranty dated as of October 29, 2012 between
Regional Finance Company of Mississippi, LLC and the Agent. Notwithstanding the foregoing by signing this Amendment Regional Finance Company of Mississippi, LLC and Regional Finance Company of Louisiana, LLC shall become Borrowers under the Loan
Agreement and their obligations with respect to Section 4 of the Loan Agreement shall be in full force and effect. 

  

	 	7.	The Borrowers acknowledge and warrant that the Lenders have acted in good faith and have conducted itself in a commercially reasonable manner in its relationships with
the Borrowers in connection with this Amendment and generally in connection with the Loan Agreement and the Obligations, the Borrowers hereby waiving and releasing any claims to the contrary. 

 

	 	8.	The Borrowers shall pay at the time this Amendment is executed (or as otherwise provided for in this Agreement) and delivered all fees, commissions, costs, charges,
taxes and other expenses incurred by the Lenders and their counsel in connection with this Amendment, including, but not limited to, reasonable fees and expenses of the Lenders’ counsel and all recording fees, taxes and charges.

  

	 	9.	This Amendment is one of the Loan Documents. This Amendment may be executed in any number of duplicate originals or counterparts, each of such duplicate originals or
counterparts shall be deemed to be an original and taken together shall constitute but one and the same instrument. The parties agree that their respective signatures may be delivered by fax or PDF (via email). Any party who chooses to deliver its
signature by fax or PDF (via email) agrees to provide a counterpart of this Amendment with its inked signature promptly to each other party. 

  

	 	10.	PURSUANT TO SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW, THIS AMENDMENT, UNLESS OTHERWISE SPECIFIED, SHALL BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK,
WITHOUT GIVING EFFECT TO ANY CONFLICT OF LAW PRINCIPLES (BUT GIVING EFFECT TO FEDERAL LAWS RELATING TO NATIONAL BANKS). 

  

	 	11.	EACH PARTY HERETO WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY OF ANY CLAIM, COUNTERCLAIM, ACTION OR OTHER PROCEEDING
ARISING UNDER OR RELATING TO THIS AMENDMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. 

  
 - 4 -

 IN WITNESS WHEREOF, the parties have entered into this Amendment as of the date first above
written. 
 BORROWERS 

REGIONAL MANAGEMENT CORP. 
 REGIONAL FINANCE
CORPORATION OF SOUTH CAROLINA 
 REGIONAL FINANCE CORPORATION OF GEORGIA 
 REGIONAL FINANCE CORPORATION OF TEXAS 
 REGIONAL FINANCE CORPORATION OF NORTH CAROLINA 

REGIONAL FINANCE CORPORATION OF ALABAMA 

REGIONAL FINANCE CORPORATION OF TENNESSEE 

REGIONAL FINANCE COMPANY OF OKLAHOMA, LLC 

REGIONAL FINANCE COMPANY OF NEW MEXICO, LLC 

REGIONAL FINANCE COMPANY OF MISSOURI, LLC 

REGIONAL FINANCE COMPANY OF GEORGIA, LLC 

REGIONAL FINANCE COMPANY OF MISSISSIPPI, LLC 

REGIONAL FINANCE COMPANY OF LOUISIANA, LLC 
 RMC
FINANCIAL SERVICES OF FLORIDA, LLC 
  

			
	By:	 	/s/ Donald E. Thomas
	Name: Donald E. Thomas

 Title: Executive Vice President and Chief Financial Officer of each of the above-listed corporations and Executive Vice
President and Chief Financial Officer of each of the above-listed limited liability companies 
 AGENT 

BANK OF AMERICA, N.A., 
 as Agent

  

			
	By:	 	/s/ Bruce Jenks
	 Name: Bruce Jenks

Title: Vice President

  
 - 5 -

 LENDERS 
 BANK OF AMERICA, N.A., 
 as a Lender and Letter of Credit Issuer 

 

			
	By:	 	/s/ Bruce Jenks

			
	Name:	 	Bruce Jenks
	Title:	 	Vice President

 Commitment = $100,000,000.00 
 BMO HARRIS FINANCING, INC., 
 as a Lender 

 

			
	By:	 	/s/ Michael S. Cameli

			
	Name:	 	Michael S. Cameli
	Title:	 	Director

 Commitment = $44,000,000.00 
 FIRST TENNESSEE BANK NATIONAL ASSOCIATION, 
 as a Lender 

 

			
	By:	 	/s/ Daniel McCarthy

			
	Name:	 	Daniel McCarthy
	Title:	 	Vice President

 Commitment = $35,000,000.00 
 CAPITAL ONE, N.A., 
 as a Lender 

 

			
	By:	 	 

			
	Name:	 	
	Title:	 	

 Commitment = $44,000,000.00 

 TEXAS CAPITAL BANK, N.A. 
 as a Lender 
  

			
	By:	 	/s/ Stephanie Hopkins

			
	Name:	 	Stephanie Hopkins
	Title:	 	Senior Vice President

 Commitment = $22,000,000.00 
 WELLS FARGO BANK, NATIONAL ASSOCIATION 
 as a Lender 

 

			
	By:	 	/s/ Nolan K. Stribe

			
	Name:	 	Nolan K. Stribe
	Title:	 	Vice President

 Commitment = $80,000,000.00 

  
 - 7 -

 SCHEDULE 4.4 
 LOCATIONS OF BOOKS AND RECORDS AND COLLATERAL 
 Location of
Records Concerning Collateral 
 509 West Butler Road, Greenville, South Carolina 29607 

Location of Collateral and Places of Business 
 509 West Butler Road, Greenville, South Carolina 29607, and the following branch locations: 
  

							
	815 West Greenwood Street, Suite 3	  	Abbeville	  	SC	  	29620
	314 Richland Avenue West	  	Aiken	  	SC	  	29801
	458 1st Street SW	  	Alabaster	  	AL	  	35007
	8144 U.S. Highway 431	  	Albertville	  	AL	  	35950
	792 Commerce Drive, Suite 101	  	Alexander City	  	AL	  	35010
	2705 North Main Street, Suite C	  	Anderson	  	SC	  	29621
	2705 N. Main Street, Suite G	  	Anderson	  	SC	  	29621
	1310 Quintard Avenue	  	Anniston	  	AL	  	36201
	1215 Anthony Drive, Suite G; PO Box 3225	  	Anthony	  	NM	  	88021
	1321 Bell Road	  	Antioch	  	TN	  	37013
	583 Brindlee Mountain Pkwy., PO Box 933	  	Arab	  	AL	  	35016
	840 Secretary Drive	  	Arlington	  	TX	  	76015
	1337 C East Dixie Drive	  	Asheboro	  	NC	  	27203
	473 Hendersonville Road, Suite A	  	Asheville	  	NC	  	28803
	920 Highway 72 E, Brookhill Plaza, PO Box 288	  	Athens	  	AL	  	35611
	959 Gilbert Ferry Road, SE, Suite M	  	Attalla	  	AL	  	35954
	2140 East University Drive, Suite E	  	Auburn	  	AL	  	36830
	6615 Airport Blvd.	  	Austin	  	TX	  	78752
	719 West William Cannon, Suite 112	  	Austin	  	TX	  	78745
	1016 La Posada Drive, Suite 270	  	Austin	  	TX	  	78752
	197 Main Street	  	Barnwell	  	SC	  	29812
	112D West Church Street	  	Batesburg	  	SC	  	29006
	2303 Boundary Street, Suite 3	  	Beaufort	  	SC	  	29902
	6240 Phelan Blvd.	  	Beaumont	  	TX	  	77706
	218 City Square	  	Belton	  	SC	  	29627
	145 Hwy 15 & 401 Bypass, Suite 7	  	Bennettsville	  	SC	  	29512
	5031 Ford Parkway, Suite 104	  	Bessemer	  	AL	  	35020
	1930 Edwards Lake Road, Suite 120	  	Birmingham	  	AL	  	35235
	981 U.S. Highway 431 South	  	Boaz	  	AL	  	35957
	3906 Hwy 9, Suite C	  	Boiling Springs	  	SC	  	29316
	1135 Volunteer Parkway, Suite 1	  	Bristol	  	TN	  	37620
	857 E. Washington Street, Suite D	  	Brownsville	  	TX	  	78520
	1710 C, Suite 101 South Texas Avenue	  	Bryan	  	TX	  	77802
	2140 S. Church Street	  	Burlington	  	NC	  	27215
	1047 Broad Street	  	Camden	  	SC	  	29020
	528 Knox Abbott Drive	  	Cayce	  	SC	  	29033
	567 King Street	  	Charleston	  	SC	  	29403
	1300 Savannah Highway, Suite 12	  	Charleston	  	SC	  	29407

							
	9123 Monroe Road, Suite 100	  	Charlotte	  	NC	  	28270
	7309 East Independence Blvd., Suite 24	  	Charlotte	  	NC	  	28227
	5210 North Tryon Street, Unit B	  	Charlotte	  	NC	  	28213
	6407 South Blvd., Suite J	  	Charlotte	  	NC	  	28217
	3250 Wilkinson Blvd., Suite H	  	Charlotte	  	NC	  	28208
	5716 Ringgold Road, Unit 106	  	Chattanooga	  	TN	  	37412
	233 Second Street	  	Cheraw	  	SC	  	29520
	220 Town Mart	  	Clanton	  	AL	  	35045
	891 Keith Street, Suite 6	  	Cleveland	  	TN	  	37311
	6729 L Two Notch Road	  	Columbia	  	SC	  	29223
	810 Dutch Square Blvd., Suite 102	  	Columbia	  	SC	  	29210
	7509 Garners Ferry Road, Suite F	  	Columbia	  	SC	  	29209
	6729 Two Notch Road, Unit B	  	Columbia	  	SC	  	29223
	136 Bear Creek Pike, Suite E	  	Columbia	  	TN	  	38401
	3401 W. Davis Street, Suite A1	  	Conroe	  	TX	  	77304
	302 Main Street	  	Conway	  	SC	  	29526
	516 S. Willow Avenue	  	Cookeville	  	TN	  	38501
	4918 Ayers Road, Ayers Plaza, Suite 136	  	Corpus Christi	  	TX	  	78415
	126 Crossings Way, Suite 15	  	Crossville	  	TN	  	38555
	1710 2nd Avenue SW, Suite 5	  	Cullman	  	AL	  	35055
	3186 Alabama Highway 157	  	Cullman	  	AL	  	35058
	200 Able Drive, Suite 12	  	Dayton	  	TN	  	37321
	2699 Sandlin Rd., Suite B-2	  	Decatur	  	AL	  	35601
	2314 6th Avenue SE, Suite B PO Box 298 (35602)	  	Decatur	  	AL	  	35601
	2400 Veterans Blvd., Suite 10	  	Del Rio	  	TX	  	78840
	121 Henslee Drive, Suite H	  	Dickson	  	TN	  	37055
	222 East Main Street	  	Dillon	  	SC	  	29536
	3074 Ross Clark Circle, Suite 8	  	Dothan	  	AL	  	36301
	5410 NC Highway 55, Suite R	  	Durham	  	NC	  	27713
	220 Jefferson Street	  	Eagle Pass	  	TX	  	78852
	6932 Calhoun Memorial Hwy., Suite G	  	Easley	  	SC	  	29640
	710 South Pendleton Street	  	Easley	  	SC	  	29640
	229 Apple Square Plaza	  	Edgefield	  	SC	  	29824
	613 East University Drive	  	Edinburg	  	TX	  	78539
	500 N. Oregon, Suite E	  	El Paso	  	TX	  	79901
	8720 Alameda Avenue, Suite A	  	El Paso	  	TX	  	79907
	3333 N. Yarbrough Drive, Suite V	  	El Paso	  	TX	  	79925
	9861 Dyer Street, Suite 4	  	El Paso	  	TX	  	79924
	6920 Delta Drive, Suite 2	  	El Paso	  	TX	  	79905
	1605 George Dieter Drive, Suite 302	  	El Paso	  	TX	  	79936
	1111 Ireland Drive, Suite 102	  	Fayetteville	  	NC	  	28304
	2801 Mall Road, Suite 9	  	Florence	  	AL	  	35630
	163 Cox Creek Parkway	  	Florence	  	AL	  	35630
	355 West Evans Street	  	Florence	  	SC	  	29501
	1222 West Evans Street	  	Florence	  	SC	  	29501
	1123 N. McKenzie Street	  	Foley	  	AL	  	36535
	2308 Gault Avenue North	  	Fort Payne	  	AL	  	35967
	1518 Pennsylvania Avenue	  	Fort Worth	  	TX	  	76104

							
	2725 NE 28th Street, Suite 130	  	Fort Worth	  	TX	  	76111
	449 George Wallace Drive	  	Gadsden	  	AL	  	35903
	515 North Limestone Street	  	Gaffney	  	SC	  	29340
	841 Odum Road, Suite 105	  	Gardendale	  	AL	  	35071
	3115 South 1st Street, Suite 300	  	Garland	  	TX	  	75041
	3465 West Walnut Street, Suite 107	  	Garland	  	TX	  	75042
	1330 Fifth Avenue, Suite 250	  	Garner	  	NC	  	27529
	2568 West Franklin Blvd.	  	Gastonia	  	NC	  	28052
	808 East Franklin Blvd.	  	Gastonia	  	NC	  	28054
	1113 N. Fraser Street	  	Georgetown	  	SC	  	29440
	134 Saint James Avenue, Suite 6	  	Goose Creek	  	SC	  	29445
	2080 N. Hwy. 360, Suite 140	  	Grand Prairie	  	TX	  	75050
	817 W. Pioneer Parkway, Suite 156	  	Grand Prairie	  	TX	  	75051
	2565 East Andrew Johnson Highway	  	Greeneville	  	TN	  	37745
	3733 B Farmington Drive	  	Greensboro	  	NC	  	27407
	2403 Battleground Avenue, Suite 6	  	Greensboro	  	NC	  	27408
	631 Willow Lane, Suite K	  	Greenville	  	AL	  	36037
	1414 E. Washington Street, Suite H	  	Greenville	  	SC	  	29607
	1414 E. Washington Street, Suite G	  	Greenville	  	SC	  	29607
	3405 White Horse Road, Suite C	  	Greenville	  	SC	  	29611
	2301 Wade Hampton Blvd., Suite 3	  	Greenville	  	SC	  	29615
	718A Montague Avenue	  	Greenwood	  	SC	  	29649
	726-A Montague Avenue	  	Greenwood	  	SC	  	29649
	1309 B West Poinsett Street	  	Greer	  	SC	  	29650
	129 Lee Avenue	  	Hampton	  	SC	  	29924
	318 E. Jackson Street	  	Harlingen	  	TX	  	78550
	587 Highway 31 NW, Suite A PO Box 788	  	Hartselle	  	AL	  	35640
	112 East Carolina Avenue	  	Hartsville	  	SC	  	29550
	475 N. Main Street, Suite D	  	Hemingway	  	SC	  	29554
	512 South Main Street	  	Hendersonville	  	NC	  	28792
	2442-B Hwy. 70 Southeast	  	Hickory	  	NC	  	28602
	2108 N. Centennial Street, Suite 114	  	High Point	  	NC	  	27265
	3659 Lorna Road, Suite 125	  	Hoover	  	AL	  	35216
	7100 Regency Square Blvd., Suite 248	  	Houston	  	TX	  	77036
	1804 Wirt Road	  	Houston	  	TX	  	77055
	5517 Airline Drive, Suite E	  	Houston	  	TX	  	77076
	459 Uvalde Road	  	Houston	  	TX	  	77015
	6003 Bellaire Blvd., Suite G	  	Houston	  	TX	  	77081
	4925 University Drive, Suite 110	  	Huntsville	  	AL	  	35816
	700 Airport Road, Suite E	  	Huntsville	  	AL	  	35802
	1918 North Story Road	  	Irving	  	TX	  	75061
	4405 N. College Avenue, Suite C	  	Jackson	  	AL	  	36545
	319 Vann Drive, Suite B	  	Jackson	  	TN	  	38305
	1811 Highway 78 East, Suite 110	  	Jasper	  	AL	  	35501
	800 Highway 78 East, Suite 300	  	Jasper	  	AL	  	35501
	3014 Bristol Highway, Suite 3	  	Johnson City	  	TN	  	37601
	3379 Cloverleaf Parkway	  	Kannapolis	  	NC	  	28083
	421 West Stone Drive, Suite 3	  	Kingsport	  	TN	  	37660

							
	200 West Mill Street	  	Kingstree	  	SC	  	29556
	218 E. Kleberg Avenue	  	Kingsville	  	TX	  	78363
	7118 Maynardville Highway	  	Knoxville	  	TN	  	37918
	1645 Downtown West Blvd., Unit 11	  	Knoxville	  	TN	  	37919
	109 East Main Street	  	Lake City	  	SC	  	29560
	226 S. Main Street	  	Lancaster	  	SC	  	29720
	502 W. Calton Road, Suite 109	  	Laredo	  	TX	  	78041
	1104-B North Meadow	  	Laredo	  	TX	  	78040
	2300 N. Main Street, Suite 205	  	Las Cruces	  	NM	  	88001
	507 N. Harper Street, Suite D	  	Laurens	  	SC	  	29360
	1915 West Gore Blvd., Suite 3	  	Lawton	  	OK	  	73501
	224 West Main Street, Suite D	  	Lebanon	  	TN	  	37087
	5175 Sunset Boulevard, Suite 4	  	Lexington	  	SC	  	29072
	371 West Church Street	  	Lexington	  	TN	  	38351
	110 E. Tyler Street	  	Longview	  	TX	  	75601
	348 North Highway 701, Unit 1	  	Loris	  	SC	  	29569
	588 Bailey Road, Suite E	  	Lumberton	  	NC	  	28358
	2021 Gallatin Pike North, Suite 240	  	Madison	  	TN	  	37115
	103 South Brooks Street	  	Manning	  	SC	  	29102
	1107 East Godbold Street	  	Marion	  	SC	  	29571
	1313 Dallas Street	  	McAllen	  	TX	  	78501
	2839 S. Douglas Blvd., Suite 103	  	Midwest City	  	OK	  	73130
	2708 H E. Griffin Parkway	  	Mission	  	TX	  	78572
	5238 U.S. Highway 90 W, Suite D	  	Mobile	  	AL	  	36619
	6345 Airport Boulevard, Suite G	  	Mobile	  	AL	  	36608
	104 Bi-Lo Way, Suite A2	  	Moncks Corner	  	SC	  	29461
	3306 Highway 74 West, Unit D	  	Monroe	  	NC	  	28110
	6144 Atlanta Highway	  	Montgomery	  	AL	  	36117
	2206 Village Drive	  	Moody	  	Al	  	35004
	1631 E. Andrew Johnson Highway	  	Morristown	  	TN	  	37814
	1035 Johnnie Dodds Blvd., Suite C-7	  	Mt. Pleasant	  	SC	  	29464
	1636 Memorial Blvd.	  	Murfreesboro	  	TN	  	37129
	605 Broadway Street	  	Myrtle Beach	  	SC	  	29577
	1377 Wilson Road	  	Newberry	  	SC	  	29108
	2108A W. Lindsey Street	  	Norman	  	OK	  	73069
	404 E. Martintown Road, Suite 4	  	North Augusta	  	SC	  	29841
	1924 Remount Raod	  	North Charleston	  	SC	  	29406
	1922 Remount Road	  	North Charleston	  	SC	  	29406
	867 U.S. Highway 17 South	  	North Myrtle Beach	  	SC	  	29582
	80 McFarland Drive, Suite 2	  	Northport	  	AL	  	35473
	7141 S. Western Avenue, Suite C	  	Oklahoma City	  	OK	  	73139
	6221 N. Meridian Avenue	  	Oklahoma City	  	OK	  	73112
	642 John C. Calhoun Drive	  	Orangeburg	  	SC	  	29115
	1291 John C. Calhoun Drive	  	Orangeburg	  	SC	  	29115
	1225 Snow Street, Suite 4	  	Oxford	  	AL	  	36203
	1986 US Highway 78 East	  	Oxford	  	AL	  	36203
	3910 Fairmont Parkway, Suite D	  	Pasadena	  	TX	  	77504
	2550 Broadway Street	  	Pearland	  	TX	  	77581

							
	1401 Stemley Bridge Road, Suite 13	  	Pell City	  	AL	  	35125
	3304 U.S. Highway 80 West, Suite E	  	Phenix City	  	AL	  	36870
	230 West Parker Road, Suite 190	  	Plano	  	TX	  	75075
	246 Interstate Commercial Park Loop	  	Prattville	  	AL	  	36066
	4011 Capital Blvd., Suite 123	  	Raleigh	  	NC	  	27604
	4761 E. Hwy. 83, Suite B, Plaza Del Mar	  	Rio Grande City	  	TX	  	78582
	592 N. Anderson Road	  	Rock Hill	  	SC	  	29730
	704-C E. Broad Avenue	  	Rockingham	  	NC	  	28379
	3806 Avenue I, Suite 22	  	Rosenberg	  	TX	  	77471
	1015 S. Mays Street, Suite 101	  	Round Rock	  	TX	  	78664
	811 S. Jake Alexander Blvd.	  	Salisbury	  	NC	  	28147
	4502 Centerview Drive, Suite 116	  	San Antonio	  	TX	  	78228
	1121 SW Military Drive, Suite 101	  	San Antonio	  	TX	  	78221
	14145 Nacogdoches Road, Suite 1	  	San Antonio	  	TX	  	78247
	3221 Wurzbach Road	  	San Antonio	  	TX	  	78238
	3655 Fredricksburg Road, Suite 119	  	San Antonio	  	TX	  	78201
	4525 Rigsby Avenue, Suite 106	  	San Antonio	  	TX	  	78222
	7500 Eckhert Road, Suite 460	  	San Antonio	  	TX	  	78240
	11819 West Avenue, Suite 2	  	San Antonio	  	TX	  	78216
	206-B West San Antonio Street	  	San Marcos	  	TX	  	78666
	1605 S. Broad Street	  	Scottsboro	  	AL	  	35768
	211 Oconee Square Drive	  	Seneca	  	SC	  	29678
	1510 N. Kickapoo Avenue, Suite 1	  	Shawnee	  	OK	  	74804
	2400 Herodian Way SE, Suite 147N	  	Smyrna	  	GA	  	30080
	10755 N. Loop, Suite P	  	Socorro	  	TX	  	79927
	195A S. Converse Street	  	Spartanburg	  	SC	  	29306
	110 Garner Road, Suite 10, Merchants Plaza	  	Spartanburg	  	SC	  	29303
	5015 FM 2920 Road, Suite B	  	Spring	  	TX	  	77388
	12220 Murphy Road, Suite H	  	Stafford	  	TX	  	77477
	11925 Southwest Freeway, Suite 6	  	Stafford	  	TX	  	77477
	230 Signal Hill Drive	  	Statesville	  	NC	  	28625
	115 E. Richardson Avenue	  	Summerville	  	SC	  	29483
	251 Broad Street	  	Sumter	  	SC	  	29150
	708 Bultman Drive	  	Sumter	  	SC	  	29150
	1209 N. Main Avenue	  	Sylacauga	  	AL	  	35150
	513 East Battle Street	  	Talladega	  	AL	  	35160
	2314 W. Adams Avenue, Suite C	  	Temple	  	TX	  	76504
	33208 Highway 43, Suite A	  	Thomasville	  	AL	  	36784
	1237 Highway 231 South	  	Troy	  	AL	  	36081
	2001 Skyland Blvd. East, Suite C-1	  	Tuscaloosa	  	AL	  	35405
	2523 East Fifth Street	  	Tyler	  	TX	  	75701
	410 N. Duncan Bypass, Suite D	  	Union	  	SC	  	29379
	2912 N. Laurent Street	  	Victoria	  	TX	  	77901
	1615 N. Valley Mills Drive, Suite 1615	  	Waco	  	TX	  	76710
	110A N. Memorial Avenue	  	Walterboro	  	SC	  	29488
	1025 North Texas Blvd., Suite 17	  	Weslaco	  	TX	  	78596
	622 Twelfth Street	  	West Columbia	  	SC	  	29169
	420 Eastwood Road, Suite 101	  	Wilmington	  	NC	  	28403

							
	153 N. Congress Street	  	Winnsboro	  	SC	  	29180
	3193-D Peters Creek Parkway	  	Winston-Salem	  	NC	  	27127
	4964 Martin View Lane	  	Winston-Salem	  	NC	  	27104
	902 N. Main Street	  	Woodruff	  	SC	  	29388
	710 E Liberty Street, Suite 102	  	York	  	SC	  	29745
	1300 West Vandament Avenue, Suite 2301	  	Yukon	  	OK	  	73099

 SCHEDULE 7.6 
 GAAP EXCEPTIONS 
 None. 

 SCHEDULE 7.9 
 PERMITTED LIENS 
 Liens created by the following documents and any financing statements
now existing or hereafter filed related thereto: 
 Business Loan Agreement dated on or about January 9, 2012, made by Regional with
Wells Fargo Bank, National Association (“Wells Fargo”), allowing Regional to borrow up to $1,500,000 on a revolving basis. As an inducement, Wells Fargo required the execution of a Promissory Note by Regional in favor of Wells Fargo
(as identified in Schedule 8.6) related to certain real and personal property (as described therein) located at 507 and 509 W. Butler Road, Mauldin, South Carolina, as the same has been amended, modified or extended. 

 SCHEDULE 7.10 
 LICENSES 
 None. 

 SCHEDULE 7.13 
 COMPLIANCE WITH LAWS 
 None. 

 SCHEDULE 7.16 
 SUBSIDIARIES 
 Each of the entities listed below is a direct or indirect wholly owned
subsidiary of Regional Management Corp. 
 Regional Finance Corporation of Alabama 
 Regional Finance Corporation of Georgia 
 Regional Finance Corporation of North Carolina

 Regional Finance Corporation of South Carolina 
 Regional Finance Corporation of Tennessee 
 Regional Finance Corporation of Texas 

Regional Finance Company of Oklahoma, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of New Mexico, LLC (wholly-owned by Regional Finance Corporation of South Carolina) 

Regional Finance Company of Missouri, LLC 

Regional Finance Company of Louisiana, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of Mississippi, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

RMC Financial Services of Florida, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of Georgia, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Upstate Motor Company 
 Credit Recovery
Associates, Inc. 
 RMC Reinsurance, LTD 

 SCHEDULE 7.19 
 BANK ACCOUNTS 
  

													
	 Bank Name
	  	 Account Number
	  	 City
	  	 State
	  	 Purpose
	  	 Company Name
	  	Sweep Account
	BB & T	  	XXXXXXXXXX	  	Winston Salem	  	NC	  	Depository	  	Regional Management Corp	  	
	BB & T	  	XXXXXXXXXX	  	Winston Salem	  	NC	  	Depository	  	Regional Finance Corp of TN	  	
	Compass Bank	  	XXXXXXXXXX	  	Birmingham	  	AL	  	Depository	  	Regional Finance Corp of TX	  	
	Compass Bank	  	XXXXXXXXXX	  	Birmingham	  	AL	  	Depository	  	Regional Finance Corp of TX	  	
	First Bank	  	XXXXXXXXXX	  	Dickson	  	TN	  	Depository	  	Regional Finance Corp of TN	  	
	First Citizens	  	XXXXXXXXXX	  	Columbia	  	SC	  	Depository	  	Regional Finance of SC	  	
	First Citizens	  	XXXXXXXXXX	  	Columbia	  	SC	  	Depository	  	Regional Finance of SC	  	
	First National	  	XXXXXXXXXX	  	Edinburgh	  	TX	  	Depository	  	Regional Finance Corp of TX	  	
	First National Bank	  	XXXXXXXXXX	  	Taladega	  	AL	  	Depository	  	Regional Finance Corp of AL	  	
	First National Bank of TN	  	XXXXXXXXXX	  	Livingston	  	TN	  	Depository	  	Regional Finance Corp of TN	  	
	First Tennessee Bank	  	XXXXXXXXXX	  	Memphis	  	TN	  	Depository	  	Regional Finance Corp of TN	  	
	International Bank and Commerce	  	XXXXXXXXXX	  	Laredo	  	TX	  	Depository	  	Regional Finance Corp of TX	  	
	International Bank and Commerce	  	XXXXXXXXXX	  	Laredo	  	TX	  	Depository	  	Regional Finance Corp of TX	  	
	International Bank and Commerce	  	XXXXXXXXXX	  	Laredo	  	TX	  	Depository	  	Regional Finance Corp of TX	  	
	NBSC	  	XXXXXXXXXX	  	Columbus	  	GA	  	Depository	  	Regional Finance Corp of SC	  	
	Southeast Bank	  	XXXXXXXXXX	  	Dayton	  	TN	  	Depository	  	Regional Finance Corp of TN	  	
	Southside	  	XXXXXXXXXX	  	Tyler	  	TX	  	Depository	  	Regional Finance Corp of TX	  	
	US Bank	  	XXXXXXXXXX	  	Columbia	  	TN	  	Depository	  	Regional Finance Corp of TN	  	
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Reinsurance	  	RMC Reinsurance	  	
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Payroll	  	Regional Management Corp	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Loan Disbursement	  	Regional Management Corp	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Master Depository	  	Regional Management Corp	  	
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Master Funding	  	Regional Management Corp	  	
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corp of SC	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corp of TX	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corp of TX	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corp of TX	  	Sweep Account
	Bank Of America	  	XXXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corp of OK	  	Sweep Account

													
	 Bank Name
	  	 Account Number
	  	 City
	  	 State
	  	 Purpose
	  	 Company Name
	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Used to transfer all non-Wells Fargo deposits to main SC Checking	  	Regional Management Corp	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC Checking / Depository (sweep account)	  	Regional Finance Corp of SC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC Checking / Depository (sweep account)	  	Regional Finance Corp of SC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC Checking / Depository (sweep account)	  	Regional Finance Corp of SC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	RMC Checking / Depository (sweep account)	  	RMC Financial Services Corp	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TX Checking / Depository (sweep account)	  	Regional Finance Corp of TX	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NC Checking / Depository (sweep account)	  	Regional Finance Corp of NC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TN Checking / Depository (sweep account)	  	Regional Finance Corp of TN	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	AL Checking / Depository (sweep account)	  	Regional Finance Corp of AL	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	ACS	  	AutoCredit Source	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Corporate AP	  	Regional Management Corp	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Corporate Loan Solicitation	  	Regional Management Corp	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC Loan Solicitation	  	Regional Finance Corp of SC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TN Loan Solicitation	  	Regional Finance Corp of TN	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TX Loan Solicitation	  	Regional Finance Corp of TX	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NC Loan Solicitation	  	Regional Finance Corp of NC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC NB Loan Solicitation	  	Regional Finance Corp of SC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TN NB Loan Solicitation	  	Regional Finance Corp of TN	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	TX NB Loan Solicitation	  	Regional Finance Corp of TX	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NC NB Loan Solicitation	  	Regional Finance Corp of NC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	AL NB Loan Solicitation	  	Regional Finance Corp of AL	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Closed	  	Regional Finance Corp of TX	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Closed	  	Regional Finance Corp of TX	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Closed	  	Regional Finance Corp of TX	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Closed	  	Regional Finance Corp of TX	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	Closed	  	Regional Finance Corp of TX	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NM Checking	  	Regional Finance Corp of NM	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	RMC Central	  	RMC	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	CRA/Depository (sweep account)	  	CRA	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	SC Trust CRA	  	CRA	  	
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NM NB Loan Solicitation Account	  	Regional Finance Corp of NM	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	NM Loan Solicitation Account	  	Regional Finance Corp of NM	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	OK NB Loan Solicitation Account	  	Regional Finance Corp of OK	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	OK Loan Solicitation Account	  	Regional Finance Corp of OK	  	Sweep Account
	Wells Fargo	  	XXXXXXXXXX	  	Greenville	  	SC	  	AL Loan Solicitation Account	  	Regional Finance Corp of AL	  	Sweep Account

 SCHEDULE 8.3 
 GUARANTIES 
 None. 

 SCHEDULE 8.6 
 DEBT 
 Promissory Note, dated January 9, 2012, in an aggregate principal amount not to
exceed $1,500,000 made by Regional payable to the order of Wells Fargo, National Association (the “Wells Fargo Revolver”), as the same has been amended, modified or supplemented.

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