Document:

EX-10.2

 Exhibit 10.2 

SECOND AMENDMENT TO SIXTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT 

This Second Amendment to Sixth Amended and Restated Loan and Security Agreement (this “Amendment”) is made as of February 20,
2018, among Regional Management Corp. (“Regional”), 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, Regional Finance Company of Mississippi, LLC, Regional Finance Company of Kentucky, LLC and Regional Finance Company of Virginia, LLC (each individually a
“Borrower” and collectively the “Borrowers”), the financial institutions listed as lenders on the signature pages to this Amendment (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, the Lenders and the Agent are parties to that certain Sixth Amended and Restated Loan and Security Agreement,
dated as of June 20, 2017, as amended by that certain First Amendment to Sixth Amended and Restated Loan and Security Agreement, dated as of November 21, 2017 (as amended and 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 “Loan Agreement”); 

WHEREAS, the Borrowers acknowledge that as of the close of business on February 16, 2018, there was outstanding the aggregate
principal amount of $457,000,045.03 under the Loan Agreement in respect of the outstanding principal amount of Revolving Loans and the undrawn face amount of all outstanding Letters of Credit; 

WHEREAS, the Borrowers have requested that the Agent and the Lenders modify certain provisions of the Loan Agreement and the Agent and
the Lenders have agreed to do so subject to the terms and conditions set forth herein; 
 NOW THEREFORE, in consideration of the
mutual promises and agreements contained herein and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto do hereby agree as follows: 

Section 1    DEFINED TERMS; RECITALS. 

Each defined term used herein and not otherwise defined herein shall have the meaning ascribed to such term in the Loan Agreement. The
Borrowers, the Lenders and the Agent agree that the Recitals above are a part of this Amendment. 
 Section 2    AMENDMENTS.
The Loan Agreement is hereby amended as follows: 

	 	a.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Existing Term Loan Transaction” and replacing it with the following: 

 

	 	•	 	“Existing Term Loan Transaction shall mean that certain Credit Agreement, subject to the Intercreditor Agreement, originally dated as of December 11, 2015 and as amended and restated pursuant to that
certain Amended and Restated Credit Agreement dated as of November 21, 2017 (and amended by that certain Amendment No. 1 to the Amended and Restated Credit Agreement to be dated on or about February 20, 2018), by and among Regional
Management Receivables, LLC, as borrower, Regional Management Corp., as servicer, the lenders from time to time party thereto, Wells Fargo Securities, LLC, as administrative agent for the lenders, and Wells Fargo Bank, National Association, as
account bank, collateral custodian, and backup servicer.” 

  

	 	b.	Section 1.1 of the Loan Agreement is hereby amended by deleting subsection (f) of the definition of “Eligible Contracts” and replacing it with the following: 

 

	 	•	 	“(f) (i) are secured by Property located solely in the continental United States or (ii) if unsecured, (A) the aggregate Net Balance of such unsecured Contracts does not exceed $120,000,000, in the
aggregate, at any given time and (B) such unsecured Contracts shall only remain Eligible Contracts if, upon a refinancing thereof, such unsecured Contracts are then secured by Property located solely in the continental United States;”

  

	 	c.	The second paragraph (starting with “provided, however,”) of Section 11.1 is hereby deleted in its entirety and replaced with the following: 

 

	 	•	 	“provided, however, that no such waiver, amendment, or consent shall, unless in writing and signed by (i) all the Lenders (and Borrowers and Agent), or (ii) by Agent (at the written request
of all the Lenders) and Borrowers, do any of the following...” 

  

	 	d.	Subsection (j) of Section 11.1 is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(j) change the definitions of “Availability”, “Majority Lenders”, “Required Lenders”, “Non-Warehouse Facility Securitization”,
“Warehouse Securitization”, “Warehouse Facility”, “Non-Warehouse Facility Permitted Securitization Transfers”, “Warehouse Facility Permitted Securitization Transfers”,
“Warehouse Facility Permitted Transfers” or “Securitization;” 

  

	 	e.	The Schedules attached to the Loan Agreement are hereby replaced with the Schedules attached hereto as Exhibit A. 

Section 3    REPRESENTATIONS AND WARRANTIES. 

Each of the Borrowers hereby represents and warrants to the Agent, as of the Amendment Effective Date, as follows: 

  
 2 

 3.1    Authorization; Enforceability; Ratification. This Amendment
has been duly and validly executed by an authorized officer of such Borrower and constitutes the legal, valid and binding obligation of such Borrower enforceable against such Borrower in accordance with its terms, except as enforceability may be
limited by bankruptcy, insolvency or similar laws affecting the enforcement of creditors’ rights generally. The Loan Agreement remains in full force and effect and remains the valid and binding obligation of each such Borrower enforceable
against such Borrower in accordance with its terms, except as enforceability may be limited by bankruptcy, insolvency or similar laws affecting the enforcement of creditors’ rights generally. 

3.2    No Default or Event of Default. No Default or Event of Default is existing under the Loan Agreement and no
Default or Event of Default will occur as a result of the effectiveness of this Amendment. 
 3.3    Restatement of
Representations and Warranties; Schedules. The representations and warranties of such Borrower contained in the Loan Agreement and the other Loan Documents are true and correct in all material respects (except that if any such representation or
warranty contains any materiality qualifier, such representation or warranty shall be true and correct in all respects) on and as of the date of this Amendment as though made on the date of this Amendment (except for representations and warranties
that expressly relate to an earlier date). The Schedules to the Loan Agreement are accurate and complete on and as of the date of this Amendment (except for Schedules that expressly relate to an earlier date). 

Section 4    CONDITIONS TO EFFECTIVENESS. 

This Amendment shall become effective (the “Amendment Effective Date”) when and only when (a) this Amendment shall be
executed and delivered by each Borrower, the Agent and the 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, and (c) the Agent shall have received
an executed Reaffirmation from the Guarantors. 

  
 3 

 Section 5    CONSENT 

The Agent and the Lenders hereby consent for all purposes under the Loan Agreement and the other Loan Documents, to Regional’s entering
into that certain Amendment No. 1 to Amended and Restated Credit Agreement dated on or about February 20, 2018, and among Regional Management Receivables, LLC, as borrower, Regional Management Corp., as servicer, the lenders from time to
time party thereto, Wells Fargo Securities, LLC, as administrative agent for the lenders, and Wells Fargo Bank, National Association, as account bank, collateral custodian, and backup servicer, and to consummating the transactions contemplated
thereby; provided, however, that such consent shall not be interpreted as constituting a waiver of any other Events of Default that might arise from the consummation of such transaction pursuant to the terms of the Loan Documents. 

Section 6    MISCELLANEOUS. 

6.1    Governing Law. This Amendment shall be governed by and construed in accordance with the laws of the State of
New York without giving effect to any conflict of law principles that would cause the laws of another jurisdiction to apply (except federal laws relating to national banks). 

6.2    Severability. Any provision of this Amendment which is prohibited or unenforceable shall be ineffective to
the extent of such prohibition or unenforceability without invalidating the remaining provisions of this Amendment. 

6.3    Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto
in separate counterparts, each of which when so executed and delivered shall be deemed to be an original, and all of which taken together shall constitute but one and the same instrument, and counterparts hereof may be delivered by facsimile or .PDF
electronic transmission which shall be effective as a manually signed original counterpart. 
 6.4    Headings.
Section headings used in this Amendment are for the convenience of reference only and are not a part of this Amendment for any other purpose. 

6.5    Negotiations. By accepting this Amendment, each Borrower acknowledges and agrees that all of the provisions
contained herein were negotiated and agreed to in good faith after discussion with the Agent. 

6.6    Nonwaiver. Except as set forth in Sections 2 and 5 above or as otherwise expressly set forth herein, the
execution, delivery, performance and effectiveness of this Amendment shall not operate as, or be deemed or construed to be, a waiver: (a) of any right, power or remedy of the Agent under the Loan Agreement or the other Loan Documents or
(b) of any term, provision, representation, warranty or covenant contained in the Loan Agreement or any other Loan Document. Further, none of the provisions of this Amendment shall constitute, or be deemed to be or construed as, a waiver of any
Default or Event of Default under the Loan Agreement. 

  
 4 

 6.7    Reference to and Effect on the Loan Agreement; Successor and
Assigns. Upon the effectiveness of this Amendment, each reference in the Loan Agreement to “this Agreement,” “hereunder,” “hereof,” “herein,” or words of like import shall mean and be a reference to the
Loan Agreement, as modified by this Amendment and each reference to the Loan Agreement in any other document, instrument or agreement executed and/or delivered in connection with the Loan Agreement shall mean and be a reference to the Loan
Agreement, as modified by this Amendment. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective permitted successors and assigns. 

6.8    Acknowledgment; Release of Claims. No Borrower is aware of any claim or offset against, or defense or
counterclaim to, such Borrower’s obligations or liabilities under the Loan Agreement or any Loan Document to which it is a party. In consideration of the Lenders’ agreements contained in this Amendment, each Borrower hereby irrevocably
releases and forever discharges the Agent and its Affiliates, subsidiaries, successors, assigns, directors, officers, employees, agents, consultants and attorneys (each, a “Released Person”) of and from any and all claims, suits,
actions, investigations, proceedings or demands, whether based in contract, tort, implied or express warranty, strict liability, criminal or civil statute or common law of any kind or character, known or unknown, which such Borrower ever had or now
has against the Agent or any other Released Person which relates, directly or indirectly, to any acts or omissions of the Agent or any other Released Person relating to the Loan Agreement or any Loan Document on or prior to the date hereof. 

6.9    Reaffirmation. Each of the parties hereto (as debtor, grantor, pledgor, guarantor, assignor, or in any other
similar capacity in which such party grants liens or security interests in its property or otherwise acts as accommodation party or guarantor, as the case may be, under the Loan Documents) hereby: (i) ratifies and reaffirms all of its payment
and performance obligations, contingent or otherwise, under the Loan Agreement and the other Loan Documents to which it is a party and (ii) to the extent such party has granted liens on or security interests in any of its property pursuant to
the Loan Agreement or any other Loan Document as security for or otherwise guaranteed the Obligations, ratifies and reaffirms such guarantee and grant of security interests and liens and confirms and agrees that such security interests and liens
hereafter secure all of the Obligations. Each of the parties hereto hereby consents to this Amendment and hereby ratifies and affirms the Loan Agreement and the other Loan Documents, as modified hereby. 

6.10    Waiver of Jury Trial. 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. 

6.11    Loan Document. This Amendment is a Loan Document. 

6.12    Fees and Expenses. The Borrowers shall pay all outstanding costs, expenses and fees of the Agent and its
advisors, service providers and legal counsels incurred in connection with the documentation of this Amendment, in the manner and to the extent set forth in the Loan Agreement. 

  
 5 

 [Signature Pages Follow] 

 

  
 6 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by
their respective officers or agents thereunto duly authorized as of the date first written above. 
  

			
	 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
 REGIONAL FINANCE COMPANY OF KENTUCKY, LLC

REGIONAL FINANCE COMPANY OF VIRGINIA, LLC,
 as Regional
Borrowers

		
	By:	 	/s/ Donald E. Thomas
	Name:	 	Donald E. Thomas
	Title:	 	EVP and CFO
	Address: 979 Batesville Road, Suite B, Greer, South Carolina 29651 (with a mailing address of Post Office Box 776, Mauldin, South Carolina 296662)

 
			
	AGENT
	
	 BANK OF AMERICA, N.A., as Agent

		
	By:	 	/s/ Bruce Jenks

 
			
	Name:	 	Bruce Jenks

 
			
	Title:	 	Senior Vice President

 
			
	Address:	 	 4 Sentry Parkway, Suite 200
 Blue Bell, PA
19422

 
			
	Attn:	 	Bruce Jenks

  

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

		
	By:	 	/s/ Bruce Jenks

 
			
	Name:	 	Bruce Jenks

 
			
	Title:	 	Senior Vice President
	
	Commitment = $215,000,000.00

 
			
	
	 BMO HARRIS FINANCING, INC.,

as a Lender

 
			
		
	By:	 	/s/ Michael S. Cameli
	Name:	 	Michael S. Cameli
	Title:	 	Director
	
	Commitment = $108,000,000.00

 
			
	
	 FIRST TENNESSEE BANK NATIONAL ASSOCIATION,

as a Lender

 
			
		
	By:	 	/s/ Blake Chandler

 
			
	Name:	 	Blake Chandler

 
			
	Title:	 	Vice President
	
	Commitment = $40,000,000.00

 
			
	SYNOVUS BANK
	as a Lender
		
	By:	 	/s/ Michael Sawicki

 
			
	Name:	 	Michael Sawicki

 
			
	Title:	 	Director, Corporate Banking
	
	Commitment = $25,000,000.00
	
	TEXAS CAPITAL BANK, N.A.
	as a Lender

 
			
		
	By:	 	/s/ Stephanie Bowman

 
			
	Name:	 	Stephanie Bowman

 
			
	Title:	 	Senior Vice President
	
	Commitment = $35,000,000.00
	
	WELLS FARGO BANK, NATIONAL ASSOCIATION
	as a Lender

 
			
		
	By:	 	/s/ William M. Laird

 
			
	Name:	 	William M. Laird

 
			
	Title:	 	Senior Vice President
	
	Commitment = $165,000,000.00
	
	First Tennessee Bank National Association
	(successor by merger to Capital Bank, N.A.) as a Lender

 
			
		
	By:	 	/s/ Blake Chandler

 
			
	Name:	 	Blake Chandler

 
			
	Title:	 	Vice President
	
	Commitment = $20,000,000.00
	
	BANKUNITED, N.A.
	as a Lender

 
			
		
	By:	 	/s/ Stephen Derby

 
			
	Name:	 	Stephen Derby

 
			
	Title:	 	Senior Vice President
	
	Commitment = $30,000,000.00

 EXHIBIT A 

See attached. 

 SCHEDULE 4.4 

LOCATIONS OF BOOKS AND RECORDS AND COLLATERAL 

The following is a correct and complete list of the locations of all books and records concerning the Collateral, the locations of the
Collateral, and the locations of all Borrowers’ places of business as of the Closing Date: 
 979 Batesville Road, Suite B, Greer, South
Carolina 29651 
 The following branch locations: 
  

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0101	  	 101 Verdae Boulevard, Suite 130
	  	Greenville	  	SC	  	 	29607-3887	 
	0103	  	 1544 West Floyd Baker Blvd.
	  	Gaffney	  	SC	  	 	29341-1204	 
	0104	  	 7800 Rivers Ave, Suite 1450
	  	North Charleston	  	SC	  	 	29406-4072	 
	0105	  	 120 Highway 14, Suite C
	  	Simpsonville	  	SC	  	 	29681-6056	 
	0106	  	 2303 Boundary Street, Suite 3
	  	Beaufort	  	SC	  	 	29902-3720	 
	0107	  	 1200 Sam Rittenberg Blvd, Suite B
	  	Charleston	  	SC	  	 	29407-5006	 
	0108	  	 6729 Two Notch Road, Suite L
	  	Columbia	  	SC	  	 	29223-7535	 
	0109	  	 161 South Aiken Lane, Suite 420
	  	Aiken	  	SC	  	 	29803-8084	 
	0110	  	 110 A North Memorial Avenue
	  	Walterboro	  	SC	  	 	29488-3908	 
	0111	  	 1641 Springdale Dr, Suite C
	  	Camden	  	SC	  	 	29020-2091	 
	0112	  	 592 North Anderson Road
	  	Rock Hill	  	SC	  	 	29730-7300	 
	0113	  	 251 Broad Street
	  	Sumter	  	SC	  	 	29150-4146	 
	0114	  	 1450 W.O. Ezell Boulevard, Suite 950
	  	Spartanburg	  	SC	  	 	29301-1500	 
	0115	  	 716 B Montague Avenue
	  	Greenwood	  	SC	  	 	29649-1439	 
	0118	  	 1610 Church Street, Suite D
	  	Conway	  	SC	  	 	29526-2960	 
	0119	  	 1113 N. Fraser Street
	  	Georgetown	  	SC	  	 	29440-2851	 
	0121	  	 2705 C North Main Street
	  	Anderson	  	SC	  	 	29621-3283	 
	0122	  	 1136 Orangeburg Mall Circle
	  	Orangeburg	  	SC	  	 	29115-3439	 
	0123	  	 810 Dutch Square Blvd, Suite 102
	  	Columbia	  	SC	  	 	29210-7318	 
	0124	  	 145 Hwy 15-401 Bypass West, Suite 7
	  	Bennettsville	  	SC	  	 	29512-4359	 
	0125	  	 112 East Carolina Avenue
	  	Hartsville	  	SC	  	 	29550-4214	 
	0126	  	 115 E. Richardson Avenue
	  	Summerville	  	SC	  	 	29483-6332	 
	0127	  	 2889 Main Street
	  	Newberry	  	SC	  	 	29108-4133	 
	0128	  	 109 East Main Street
	  	Lake City	  	SC	  	 	29560-2626	 
	0129	  	 410 D North Duncan Bypass
	  	Union	  	SC	  	 	29379-8641	 
	0130	  	 517 Radford Blvd, Suite D
	  	Dillon	  	SC	  	 	29536-2469	 
	0131	  	 1309 B West Poinsett Street
	  	Greer	  	SC	  	 	29650-1251	 
	0132	  	 605 Broadway Street
	  	Myrtle Beach	  	SC	  	 	29577-3814	 
	0133	  	 5809 Calhoun Memorial Hwy, Suite K
	  	Easley	  	SC	  	 	29640-3876	 
	0134	  	 1137-B Hwy 9 Bypass W
	  	Lancaster	  	SC	  	 	29720-4781	 
	0135	  	 1107 East Godbold Street
	  	Marion	  	SC	  	 	29571-3907	 
	0136	  	 129 Lee Avenue
	  	Hampton	  	SC	  	 	29924-3439	 
	0137	  	 1612 State Rd, Suite A-14
	  	Cheraw	  	SC	  	 	29520-5106	 
	0139	  	 141 E. Church Street, Suite M
	  	Batesburg-Leesville	  	SC	  	 	29070-7066	 
	0140	  	 104 Bi-Lo Way, Suite A2
	  	Moncks Corner	  	SC	  	 	29461-3975	 
	0141	  	 197 Main Street
	  	Barnwell	  	SC	  	 	29812-1847	 
	0142	  	 721 U.S. Hwy 321 BYP South, Unit 11
	  	Winnsboro	  	SC	  	 	29180-6326	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0143	  	 3720 Boiling Springs Rd, Suite F
	  	Boiling Springs	  	SC	  	 	29316-5760	 
	0144	  	 211 Oconee Square Drive
	  	Seneca	  	SC	  	 	29678-2546	 
	0145	  	 507 N. Harper Street, Suite D
	  	Laurens	  	SC	  	 	29360-2337	 
	0146	  	 348 North Highway 701, Unit 1
	  	Loris	  	SC	  	 	29569-2464	 
	0147	  	 404 E. Martintown Road, Suite D
	  	North Augusta	  	SC	  	 	29841-4236	 
	0148	  	 938 E. Liberty Street
	  	York	  	SC	  	 	29745-1662	 
	0149	  	 200 West Mill Street
	  	Kingstree	  	SC	  	 	29556-3340	 
	0153	  	 229 Apple Square Plaza
	  	Edgefield	  	SC	  	 	29824-4203	 
	0154	  	 218 City Square
	  	Belton	  	SC	  	 	29627-1433	 
	0155	  	 1035 Johnnie Dodds Blvd., Suite C-7
	  	Mt. Pleasant	  	SC	  	 	29464-6154	 
	0156	  	 867 U.S. Highway 17 South
	  	North Myrtle Beach	  	SC	  	 	29582-3428	 
	0157	  	 7509 Garners Ferry Road, Suite F
	  	Columbia	  	SC	  	 	29209-2664	 
	0158	  	 3405 White Horse Road, Suite C
	  	Greenville	  	SC	  	 	29611-5947	 
	0160	  	 7249 Saint Andrews Road, Suite B
	  	Columbia	  	SC	  	 	29212-1178	 
	0161	  	 400 N. Dobys Bridge Rd, Suite 103
	  	Fort Mill	  	SC	  	 	29715-6805	 
	0180	  	 2523 S. Cashua Drive
	  	Florence	  	SC	  	 	29501-5350	 
	0187	  	 475 N. Main Street, Suite D
	  	Hemingway	  	SC	  	 	29554-9191	 
	0189	  	 103 South Brooks Street
	  	Manning	  	SC	  	 	29102-3111	 
	0190	  	 509 12th Street
	  	West Columbia	  	SC	  	 	29169-6334	 
	0301	  	 2301 Wade Hampton Blvd., Suite 3
	  	Greenville	  	SC	  	 	29615-1059	 
	0303	  	 100 Forum Drive, Suite 4
	  	Columbia	  	SC	  	 	29229-7945	 
	0304	  	 110 Garner Road, Suite 10
	  	Spartanburg	  	SC	  	 	29303-3155	 
	0305	  	 1884 Columbia Road
	  	Orangeburg	  	SC	  	 	29115-3365	 
	0306	  	 1222 West Evans Street
	  	Florence	  	SC	  	 	29501-3322	 
	0307	  	 8600 Dorchester Road, Suite 203
	  	North Charleston	  	SC	  	 	29420-7383	 
	0308	  	 479 Bypass 72 NW, Suite 111
	  	Greenwood	  	SC	  	 	29649-1405	 
	0309	  	 5175 Sunset Boulevard, Suite 4
	  	Lexington	  	SC	  	 	29072-7320	 
	0311	  	 124 Commons Parkway
	  	Anderson	  	SC	  	 	29621-4133	 
	0312	  	 1300 Savannah Highway, Suite 11
	  	Charleston	  	SC	  	 	29407-7849	 
	0313	  	 708 Bultman Drive
	  	Sumter	  	SC	  	 	29150-2517	 
	0501	  	 2523 East 5th Street
	  	Tyler	  	TX	  	 	75701-3544	 
	0502	  	 500 8th Avenue, Suite 100
	  	Fort Worth	  	TX	  	 	76104-2065	 
	0503	  	 217 S. Oklahoma Avenue, Suite D
	  	Weslaco	  	TX	  	 	78596-7970	 
	0504	  	 2912 North Laurent Street
	  	Victoria	  	TX	  	 	77901-4141	 
	0505	  	 2501 N. 23rd Street, Suite 30
	  	McAllen	  	TX	  	 	78501-7891	 
	0506	  	 318 East Jackson Street
	  	Harlingen	  	TX	  	 	78550-6850	 
	0507	  	 502 West Calton Road, Suite 109
	  	Laredo	  	TX	  	 	78041-6631	 
	0508	  	 2200 Boca Chica Blvd, Suite 104
	  	Brownsville	  	TX	  	 	78521-2241	 
	0509	  	 1121 SW Military Drive, Suite 103
	  	San Antonio	  	TX	  	 	78221-1672	 
	0510	  	 4918 Ayers Road, Suite 136
	  	Corpus Christi	  	TX	  	 	78415-1431	 
	0511	  	 530 S Zapata Highway, Suite 3
	  	Laredo	  	TX	  	 	78043-5037	 
	0512	  	 2400 Veterans Blvd, Suite 10
	  	Del Rio	  	TX	  	 	78840-3136	 
	0513	  	 4761 E. Highway 83, Suite B
	  	Rio Grande City	  	TX	  	 	78582-6494	 
	0514	  	 2708 H East Griffin Parkway
	  	Mission	  	TX	  	 	78572-3309	 
	0515	  	 206 B West San Antonio Street
	  	San Marcos	  	TX	  	 	78666-5585	 
	0516	  	 14145 Nacogdoches Road, Suite 1
	  	San Antonio	  	TX	  	 	78247-1931	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0517	  	 220 Jefferson Street
	  	Eagle Pass	  	TX	  	 	78852-4820	 
	0518	  	 2551 Judson Road, Suite C
	  	Longview	  	TX	  	 	75605-4645	 
	0519	  	 8868 Research Blvd, Suite 705
	  	Austin	  	TX	  	 	78758-8522	 
	0520	  	 3221 Wurzbach Road
	  	San Antonio	  	TX	  	 	78238-4002	 
	0521	  	 218 East Kleberg Avenue
	  	Kingsville	  	TX	  	 	78363-4573	 
	0522	  	 840 Secretary Drive
	  	Arlington	  	TX	  	 	76015-1640	 
	0523	  	 817 West Pioneer Parkway, Suite 156
	  	Grand Prairie	  	TX	  	 	75051-4738	 
	0524	  	 1615 North Valley Mills Drive
	  	Waco	  	TX	  	 	76710-2552	 
	0525	  	 3655 Fredericksburg Road, Suite 119
	  	San Antonio	  	TX	  	 	78201-3859	 
	0526	  	 1919 South Texas Ave
	  	Bryan	  	TX	  	 	77802-1832	 
	0527	  	 2314 C West Adams Avenue
	  	Temple	  	TX	  	 	76504-3931	 
	0528	  	 2725 NE 28th Street, Suite 130
	  	Fort Worth	  	TX	  	 	76111-2966	 
	0529	  	 1918 North Story Road
	  	Irving	  	TX	  	 	75061-1936	 
	0530	  	 3115 South 1st, Suite 300
	  	Garland	  	TX	  	 	75041-3422	 
	0531	  	 719 West William Cannon Drive, Suite 112
	  	Austin	  	TX	  	 	78745-3981	 
	0532	  	 1645 E. Canton Road
	  	Edinburg	  	TX	  	 	78542-2925	 
	0533	  	 1804 Wirt Road
	  	Houston	  	TX	  	 	77055-2407	 
	0534	  	 5517 Airline Drive, Suite E
	  	Houston	  	TX	  	 	77076-4946	 
	0535	  	 3910 Fairmont Parkway, Suite D
	  	Pasadena	  	TX	  	 	77504-3066	 
	0536	  	 12220 Murphy Road, Suite H
	  	Stafford	  	TX	  	 	77477-2410	 
	0537	  	 6240 Phelan Blvd
	  	Beaumont	  	TX	  	 	77706-6120	 
	0538	  	 4525 Rigsby Avenue, Suite 106
	  	San Antonio	  	TX	  	 	78222-1275	 
	0539	  	 459 Uvalde Road
	  	Houston	  	TX	  	 	77015-3717	 
	0540	  	 3401 W. Davis Street, Suite A1
	  	Conroe	  	TX	  	 	77304-1841	 
	0541	  	 6003 Bellaire Blvd., Suite G
	  	Houston	  	TX	  	 	77081-5421	 
	0542	  	 500 N. Oregon, Suite E
	  	El Paso	  	TX	  	 	79901-1124	 
	0543	  	 8720 Alameda Avenue, Suite A
	  	El Paso	  	TX	  	 	79907-6275	 
	0544	  	 10755 N. Loop Drive, Suite P
	  	Socorro	  	TX	  	 	79927-4694	 
	0545	  	 3333 N. Yarbrough Drive, Suite V
	  	El Paso	  	TX	  	 	79925-1739	 
	0546	  	 9861 Dyer Street, Suite 4
	  	El Paso	  	TX	  	 	79924-4747	 
	0547	  	 6920 Delta Drive, Suite 2
	  	El Paso	  	TX	  	 	79905-5519	 
	0548	  	 1605 George Dieter Drive, Suite 302
	  	El Paso	  	TX	  	 	79936-6586	 
	0549	  	 3806 Avenue I, Suite 22
	  	Rosenberg	  	TX	  	 	77471-3951	 
	0550	  	 7500 Eckhert Road, Suite 460
	  	San Antonio	  	TX	  	 	78240-3068	 
	0551	  	 5015 FM 2920 Road, Suite B
	  	Spring	  	TX	  	 	77388-3114	 
	0552	  	 230 W. Parker Road, Suite 190
	  	Plano	  	TX	  	 	75075-2383	 
	0553	  	 11819 West Avenue, Suite 2
	  	San Antonio	  	TX	  	 	78216-2533	 
	0554	  	 3465 W. Walnut Street, Suite 107
	  	Garland	  	TX	  	 	75042-7169	 
	0555	  	 1015 S. Mays Street, Suite 101
	  	Round Rock	  	TX	  	 	78664-6745	 
	0556	  	 6242 Rufe Snow Drive, Suite 230
	  	North Richland Hills	  	TX	  	 	76148-3347	 
	0557	  	 1703 Shaver Street
	  	Pasadena	  	TX	  	 	77502-2027	 
	0558	  	 2550 Broadway Street
	  	Pearland	  	TX	  	 	77581-4904	 
	0559	  	 11925 Southwest Freeway, Suite 6
	  	Stafford	  	TX	  	 	77477-2300	 
	0560	  	 4485 North Freeway
	  	Houston	  	TX	  	 	77022-6229	 
	0561	  	 873 S. Mason Road, Suite 324
	  	Katy	  	TX	  	 	77450-3882	 
	0562	  	 3917 W. Camp Wisdom Road, Suite 107
	  	Dallas	  	TX	  	 	75237-2468	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0563	  	 2506 25th Avenue North, Suite 2
	  	Texas City	  	TX	  	 	77590-4666	 
	0564	  	 2901 Alta Mere Drive, Suite 1000
	  	Fort Worth	  	TX	  	 	76116-4180	 
	0565	  	 1700 N. Zaragoza Road, Suite 103
	  	El Paso	  	TX	  	 	79936-7964	 
	0566	  	 14181 Northwest Freeway
	  	Houston	  	TX	  	 	77040-5013	 
	0567	  	 1931 Texas Parkway
	  	Missouri City	  	TX	  	 	77489-3121	 
	0568	  	 1101 E. Highway 6, Suite A
	  	Alvin	  	TX	  	 	77511-2878	 
	0569	  	 2364 E. Southcross Boulevard
	  	San Antonio	  	TX	  	 	78223-2263	 
	0570	  	 1420 FM 1960 Bypass Rd E, Suite 118
	  	Humble	  	TX	  	 	77338-3934	 
	0571	  	 5488 Walzem Road
	  	San Antonio	  	TX	  	 	78218-2125	 
	0572	  	 2301 N. Collins Street, Suite 116
	  	Arlington	  	TX	  	 	76011-2645	 
	0573	  	 901 N. Raul Longoria Rd, Suite 4
	  	San Juan	  	TX	  	 	78589-3747	 
	0574	  	 4010 W. Commerce Street, Suite 101
	  	San Antonio	  	TX	  	 	78207-3650	 
	0575	  	 4902 Holly Road, Suite 112
	  	Corpus Christi	  	TX	  	 	78411-4767	 
	0576	  	 16876 Stuebner Airline Road
	  	Spring	  	TX	  	 	77379-6207	 
	0577	  	 713 W. Wheatland Road
	  	Duncanville	  	TX	  	 	75116-4520	 
	0578	  	 3719 N. Fry Road, Suite O
	  	Katy	  	TX	  	 	77449-6740	 
	0579	  	 4509 50th Street
	  	Lubbock	  	TX	  	 	79414-3611	 
	0580	  	 4070 N. Belt Line Road, Suite 153
	  	Irving	  	TX	  	 	75038-5010	 
	0581	  	 12637 Westheimer Rd, Suite 150
	  	Houston	  	TX	  	 	77077-5746	 
	0582	  	 9714 Potranco Road, Suite 113
	  	San Antonio	  	TX	  	 	78251-9617	 
	0583	  	 2400 E. Oltorf Street, Suite 12A
	  	Austin	  	TX	  	 	78741-4567	 
	0584	  	 2644 SW 34th Avenue
	  	Amarillo	  	TX	  	 	79109-4806	 
	0585	  	 1607 East 8th Street, Suite A
	  	Odessa	  	TX	  	 	79761-4806	 
	0586	  	 2252 E. Main Street
	  	Uvalde	  	TX	  	 	78801-4947	 
	0587	  	 1645 Pat Booker Road, Suite 115
	  	Universal City	  	TX	  	 	78148-3400	 
	0588	  	 810 E. Veterans Boulevard, Suite F
	  	Palmview	  	TX	  	 	78572-5019	 
	0589	  	 3552 Sherwood Way
	  	San Angelo	  	TX	  	 	76901-3533	 
	0590	  	 7097 N. Expressway 77, Suite 4
	  	Olmito	  	TX	  	 	78575-9808	 
	0591	  	 3482 Catclaw Drive
	  	Abilene	  	TX	  	 	79606-8224	 
	0592	  	 1909 Texoma Parkway, Suite G
	  	Sherman	  	TX	  	 	75090-2668	 
	0593	  	 3301 E. Rancier Ave., Suite 103G
	  	Killeen	  	TX	  	 	76543-7855	 
	0594	  	 601 Sunset Street
	  	Denton	  	TX	  	 	76201-2665	 
	0595	  	 1812 Santa Fe Drive, Suite D
	  	Weatherford	  	TX	  	 	76086-6429	 
	0596	  	 2708 Southwest Pkwy., Suite 114
	  	Wichita Falls	  	TX	  	 	76308-3727	 
	0597	  	 386 Landa Street, Suite B
	  	New Braunfels	  	TX	  	 	78130-5401	 
	0598	  	 120 FM 2821 Road W, Suite C
	  	Huntsville	  	TX	  	 	77320-8414	 
	0601	  	 11 Crispin Ct, Suite 103
	  	Asheville	  	NC	  	 	28803-8208	 
	0602	  	 2367 Highway 70 SE
	  	Hickory	  	NC	  	 	28602-8300	 
	0650	  	 2568 West Franklin Blvd.
	  	Gastonia	  	NC	  	 	28052-1250	 
	0651	  	 7309 East Independence Blvd, Suite 24
	  	Charlotte	  	NC	  	 	28227-9439	 
	0652	  	 1897 E. Broad Street
	  	Statesville	  	NC	  	 	28625-4307	 
	0653	  	 3733 B Farmington Drive
	  	Greensboro	  	NC	  	 	27407-6246	 
	0654	  	 2108 N. Centennial Street, Suite 114
	  	High Point	  	NC	  	 	27262-7742	 
	0655	  	 3193 D Peters Creek Parkway
	  	Winston Salem	  	NC	  	 	27127-4710	 
	0656	  	 811 South Jake Alexander Boulevard
	  	Salisbury	  	NC	  	 	28147-9058	 
	0657	  	 9601 North Tryon Street, Suite H
	  	Charlotte	  	NC	  	 	28262-8460	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0658	  	 3306 Highway 74 West, Unit D
	  	Monroe	  	NC	  	 	28110-8695	 
	0659	  	 6407 South Blvd, Suite J
	  	Charlotte	  	NC	  	 	28217-4401	 
	0660	  	 638 Spartanburg Hwy, Suite 30
	  	Hendersonville	  	NC	  	 	28792-5921	 
	0661	  	 2140 South Church Street
	  	Burlington	  	NC	  	 	27215-5328	 
	0662	  	 1231 Rockingham Rd.
	  	Rockingham	  	NC	  	 	28379-4958	 
	0663	  	 1337 C East Dixie Drive
	  	Asheboro	  	NC	  	 	27203-8889	 
	0664	  	 3379 Cloverleaf Parkway
	  	Kannapolis	  	NC	  	 	28083-6991	 
	0665	  	 1941 Hoffman Road, Suite 10
	  	Gastonia	  	NC	  	 	28054-7524	 
	0667	  	 2403 Battleground Avenue, Suite 10
	  	Greensboro	  	NC	  	 	27408-4035	 
	0668	  	 420 Eastwood Road, Suite 101
	  	Wilmington	  	NC	  	 	28403-1866	 
	0669	  	 1829 Capital Boulevard, Suite 105
	  	Raleigh	  	NC	  	 	27604-2177	 
	0670	  	 5410 NC Highway 55, Suite R
	  	Durham	  	NC	  	 	27713-7802	 
	0671	  	 4964 Martin View Lane
	  	Winston Salem	  	NC	  	 	27104-5066	 
	0672	  	 1111 Ireland Drive, Suite 102
	  	Fayetteville	  	NC	  	 	28304-3329	 
	0673	  	 5069 Fayetteville Road
	  	Lumberton	  	NC	  	 	28358-2107	 
	0674	  	 3250 Wilkinson Blvd, Suite H
	  	Charlotte	  	NC	  	 	28208-5667	 
	0675	  	 1330 Fifth Avenue, Suite 250
	  	Garner	  	NC	  	 	27529-3638	 
	0676	  	 2630 S. Main Street, Suite 103
	  	High Point	  	NC	  	 	27263-1941	 
	0677	  	 12265 Capital Boulevard
	  	Wake Forest	  	NC	  	 	27587-6200	 
	0678	  	 4731 Ramsey Street
	  	Fayetteville	  	NC	  	 	28311-1614	 
	0679	  	 260 Summit Square Boulevard, Unit A6
	  	Winston Salem	  	NC	  	 	27105-1461	 
	0680	  	 2316 S. 17th Street, Suite 120
	  	Wilmington	  	NC	  	 	28401-7913	 
	0681	  	 1331 Mebane Oaks Road
	  	Mebane	  	NC	  	 	27302-9681	 
	0682	  	 5539 W. Market Street
	  	Greensboro	  	NC	  	 	27409-2525	 
	0683	  	 3607 Matthews Mint Hill Road, Suite 10
	  	Matthews	  	NC	  	 	28105-4146	 
	0684	  	 460 Moye Blvd., Suite 103
	  	Greenville	  	NC	  	 	27834-2886	 
	0685	  	 5279 N. Roxboro Rd, Suite E, Box 8
	  	Durham	  	NC	  	 	27712-2800	 
	0701	  	 7118 Maynardville Highway
	  	Knoxville	  	TN	  	 	37918-5738	 
	0702	  	 3014 Bristol Highway, Suite 3
	  	Johnson City	  	TN	  	 	37601-1512	 
	0703	  	 421 West Stone Drive, Suite 3
	  	Kingsport	  	TN	  	 	37660-3270	 
	0704	  	 1135 Volunteer Parkway, Suite 1
	  	Bristol	  	TN	  	 	37620-4658	 
	0705	  	 5716 Ringgold Road, Unit 106
	  	Chattanooga	  	TN	  	 	37412-3597	 
	0706	  	 891 Keith Street NW, Suite 6
	  	Cleveland	  	TN	  	 	37311-1879	 
	0707	  	 126 The Crossings
	  	Crossville	  	TN	  	 	38555-8754	 
	0708	  	 1645 Downtown West Blvd, Unit 11
	  	Knoxville	  	TN	  	 	37919-5411	 
	0709	  	 516 S. Willow Avenue
	  	Cookeville	  	TN	  	 	38501-3727	 
	0710	  	 1631 E. Andrew Johnson Highway
	  	Morristown	  	TN	  	 	37814-5401	 
	0711	  	 1240 NW Broad Street
	  	Murfreesboro	  	TN	  	 	37129-1713	 
	0712	  	 224 West Main Street, Suite D
	  	Lebanon	  	TN	  	 	37087-2680	 
	0713	  	 136 Bear Creek Pike, Suite E
	  	Columbia	  	TN	  	 	38401-2484	 
	0714	  	 2565 East Andrew Johnson Hwy.
	  	Greeneville	  	TN	  	 	37745-0951	 
	0715	  	 319 Vann Drive, Suite B
	  	Jackson	  	TN	  	 	38305-6032	 
	0716	  	 2021 Gallatin Pike North, Suite 240
	  	Madison	  	TN	  	 	37115-2029	 
	0717	  	 200 Able Drive, Suite 16
	  	Dayton	  	TN	  	 	37321-6034	 
	0718	  	 121 Henslee Drive, Suite H
	  	Dickson	  	TN	  	 	37055-2076	 
	0719	  	 1321 Bell Road
	  	Antioch	  	TN	  	 	37013-3730	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0720	  	 371 West Church Street
	  	Lexington	  	TN	  	 	38351-2096	 
	0721	  	 7444 Winchester Road, Suite 104
	  	Memphis	  	TN	  	 	38125-2206	 
	0801	  	 449 George Wallace Drive
	  	Gadsden	  	AL	  	 	35903-2282	 
	0802	  	 2314 6th Avenue SE, Suite B
	  	Decatur	  	AL	  	 	35601-6565	 
	0803	  	 4925 University Drive, Suite 110
	  	Huntsville	  	AL	  	 	35816-1849	 
	0804	  	 2801 Mall Road, Suite 9
	  	Florence	  	AL	  	 	35630-1676	 
	0805	  	 8144 U.S. Hwy 431
	  	Albertville	  	AL	  	 	35950-1135	 
	0806	  	 1225 Snow Street, Suite 4
	  	Oxford	  	AL	  	 	36203-1964	 
	0807	  	 1710 2nd Avenue SW, Suite 5
	  	Cullman	  	AL	  	 	35055-5337	 
	0808	  	 1845 Montgomery Hwy, Suite 221
	  	Hoover	  	AL	  	 	35244-2501	 
	0809	  	 2001 Skyland Blvd. East, Suite C-1
	  	Tuscaloosa	  	AL	  	 	35405-1545	 
	0810	  	 1930 Edwards Lake Road, Suite 120
	  	Birmingham	  	AL	  	 	35235-3719	 
	0811	  	 246 Interstate Commercial Park Loop
	  	Prattville	  	AL	  	 	36066-7361	 
	0812	  	 3074 Ross Clark Circle, Suite 8
	  	Dothan	  	AL	  	 	36301-1194	 
	0813	  	 2140 E. University Drive, Suite E
	  	Auburn	  	AL	  	 	36830-1853	 
	0814	  	 6144 Atlanta Highway
	  	Montgomery	  	AL	  	 	36117-2800	 
	0815	  	 3304 U.S. Highway 80 West, Suite E
	  	Phenix City	  	AL	  	 	36870-6405	 
	0816	  	 220 Town Mart
	  	Clanton	  	AL	  	 	35045-3784	 
	0817	  	 792 Commerce Drive, Suite 101
	  	Alexander City	  	AL	  	 	35010-4213	 
	0818	  	 5238 U.S. Highway 90 W, Suite D
	  	Mobile	  	AL	  	 	36619-4220	 
	0819	  	 5031 Ford Parkway, Suite 104
	  	Bessemer	  	AL	  	 	35022-5284	 
	0820	  	 6345 Airport Boulevard, Suite G
	  	Mobile	  	AL	  	 	36608-3127	 
	0821	  	 1237 Highway 231 South
	  	Troy	  	AL	  	 	36081-3054	 
	0822	  	 631 Willow Lane, Suite K
	  	Greenville	  	AL	  	 	36037-8028	 
	0823	  	 1605 S. Broad Street
	  	Scottsboro	  	AL	  	 	35768-2610	 
	0824	  	 458 1st Street SW
	  	Alabaster	  	AL	  	 	35007-9703	 
	0825	  	 4405 N. College Avenue, Suite C
	  	Jackson	  	AL	  	 	36545-2045	 
	0826	  	 1123 N. McKenzie Street
	  	Foley	  	AL	  	 	36535-3550	 
	0827	  	 1209 N. Main Avenue
	  	Sylacauga	  	AL	  	 	35150-1648	 
	0828	  	 33208 Highway 43, Suite A
	  	Thomasville	  	AL	  	 	36784-1631	 
	0829	  	 906 McMeans Avenue, Suite B
	  	Bay Minette	  	AL	  	 	36507-3308	 
	0830	  	 306 Palisades Blvd., Suite 4
	  	Homewood	  	AL	  	 	35209-5148	 
	0831	  	 632 Boll Weevil Circle
	  	Enterprise	  	AL	  	 	36330-2734	 
	0870	  	 1310 Quintard Avenue
	  	Anniston	  	AL	  	 	36201-4620	 
	0871	  	 959 Gilbert Ferry Road SE, Suite M
	  	Attalla	  	AL	  	 	35954-3335	 
	0872	  	 3186 Alabama Highway 157
	  	Cullman	  	AL	  	 	35058-0686	 
	0873	  	 841 Odum Road, Suite 105
	  	Gardendale	  	AL	  	 	35071-4112	 
	0875	  	 1811 Highway 78 East, Suite 110
	  	Jasper	  	AL	  	 	35501-4081	 
	0876	  	 2206 Village Drive
	  	Moody	  	AL	  	 	35004-3241	 
	0881	  	 583 Brindlee Mountain Pkwy
	  	Arab	  	AL	  	 	35016-1054	 
	0882	  	 920 Highway 72 E
	  	Athens	  	AL	  	 	35611-4318	 
	0883	  	 981 U.S. Highway 431 South
	  	Boaz	  	AL	  	 	35957-1749	 
	0886	  	 2003 Avalon Ave
	  	Muscle Shoals	  	AL	  	 	35661-3188	 
	0887	  	 2308 Gault Avenue North
	  	Fort Payne	  	AL	  	 	35967-3644	 
	0888	  	 587 Highway 31 NW, Suite A
	  	Hartselle	  	AL	  	 	35640-4470	 
	0889	  	 700 Airport Road, Suite E
	  	Huntsville	  	AL	  	 	35802-4360	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	0891	  	 80 McFarland Boulevard, Suite 2
	  	Northport	  	AL	  	 	35476-3332	 
	0893	  	 305 East Battle Street, Suite A
	  	Talladega	  	AL	  	 	35160-2421	 
	0894	  	 2401 Stemley Bridge Road, Suite 13
	  	Pell City	  	AL	  	 	35128-2393	 
	0901	  	 9200 S. Pennsylvania Avenue
	  	Oklahoma City	  	OK	  	 	73159-6902	 
	0902	  	 2108 A W. Lindsey Street
	  	Norman	  	OK	  	 	73069-4108	 
	0903	  	 6221 N. Meridian Avenue
	  	Oklahoma City	  	OK	  	 	73112-1249	 
	0904	  	 1300 West Vandament Avenue, Suite 2301
	  	Yukon	  	OK	  	 	73099-4575	 
	0905	  	 1510 N. Kickapoo Avenue, Suite 1
	  	Shawnee	  	OK	  	 	74804-4331	 
	0906	  	 7505 SE 15th Street
	  	Midwest City	  	OK	  	 	73110-5425	 
	0907	  	 1915 W. Gore Boulevard, Suite 3
	  	Lawton	  	OK	  	 	73501-3661	 
	0908	  	 1208 North York Street, Suite B
	  	Muskogee	  	OK	  	 	74403-2562	 
	0909	  	 3202 S. Memorial Drive, Suite 7A
	  	Tulsa	  	OK	  	 	74145-1322	 
	0910	  	 1231 SE Frank Phillips Blvd
	  	Bartlesville	  	OK	  	 	74003-4321	 
	0911	  	 806 S. Aspen Avenue, Suite B
	  	Broken Arrow	  	OK	  	 	74012-4884	 
	0912	  	 305 W. Taft Road
	  	Sapulpa	  	OK	  	 	74066-5436	 
	0913	  	 1942 S. Highway 66
	  	Claremore	  	OK	  	 	74019-4371	 
	0914	  	 1500 Hoppe Boulevard, Suite 6
	  	Ada	  	OK	  	 	74820-2309	 
	0915	  	 120 N. 5th Street
	  	Chickasha	  	OK	  	 	73018-2406	 
	0916	  	 302 W. Edmond Road
	  	Edmond	  	OK	  	 	73003-5600	 
	0917	  	 1212 Merrick Drive, Suite 5
	  	Ardmore	  	OK	  	 	73401-1824	 
	0918	  	 2329 W. Willow Road
	  	Enid	  	OK	  	 	73703-2433	 
	0919	  	 639 NW 7th Street
	  	Moore	  	OK	  	 	73160-3803	 
	0920	  	 701 N. Main Street
	  	Stillwater	  	OK	  	 	74075-5410	 
	0921	  	 200 East Choctaw Avenue
	  	McAlester	  	OK	  	 	74501-5026	 
	0922	  	 111 S. Main Street
	  	Miami	  	OK	  	 	74354-7024	 
	0923	  	 3040 S. Muskogee Avenue, Suite 101
	  	Tahlequah	  	OK	  	 	74464-5485	 
	0924	  	 2135 NW 23rd Street
	  	Oklahoma City	  	OK	  	 	73107-2401	 
	0925	  	 512 Plaza Court
	  	Sand Springs	  	OK	  	 	74063-7915	 
	0926	  	 2501 N. 14th Street
	  	Ponca City	  	OK	  	 	74601-1734	 
	0927	  	 1519 N. Highway 81
	  	Duncan	  	OK	  	 	73533-1407	 
	0928	  	 6961 S. Lewis Avenue
	  	Tulsa	  	OK	  	 	74136-3914	 
	1001	  	 2300 N Main Street, Suite 205
	  	Las Cruces	  	NM	  	 	88001-1117	 
	1002	  	 1215 Anthony Drive, Suite D
	  	Anthony	  	NM	  	 	88021-9371	 
	1003	  	 5504 Menaul Boulevard NE, Suite G-East
	  	Albuquerque	  	NM	  	 	87110-3184	 
	1004	  	 5300 Sequoia Rd NW, Suite L
	  	Albuquerque	  	NM	  	 	87120-1418	 
	1005	  	 1001 Golf Course Road SE, Suite 103
	  	Rio Rancho	  	NM	  	 	87124-2575	 
	1006	  	 200 1st Street, Suite C
	  	Alamogordo	  	NM	  	 	88310-6517	 
	1007	  	 3000 E. 20th Street, Suite B
	  	Farmington	  	NM	  	 	87402-5350	 
	1008	  	 2404 Cerrillos Road
	  	Santa Fe	  	NM	  	 	87505-3392	 
	1009	  	 1698 Rio Bravo Blvd SW, Suite C
	  	Albuquerque	  	NM	  	 	87105-6000	 
	1010	  	 2013 N. Prince Street
	  	Clovis	  	NM	  	 	88101-4858	 
	1011	  	 101 W. Broadway Street
	  	Hobbs	  	NM	  	 	88240-6001	 
	1012	  	 107 E. 5th Street
	  	Roswell	  	NM	  	 	88201-6205	 
	1013	  	 1331 Juan Tabo Blvd NE, Suite 2C
	  	Albuquerque	  	NM	  	 	87112-4463	 
	1014	  	 1405 S. Valley Drive, Suite 700
	  	Las Cruces	  	NM	  	 	88005-3132	 
	1015	  	 601 Main Street SE, Suite 23A
	  	Los Lunas	  	NM	  	 	87031-4309	 

											
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip	 
	1017	  	 1900 E. Historic Hwy 66, Suite E
	  	Gallup	  	NM	  	 	87301-4883	 
	1018	  	 2514 7th Street, Suite E
	  	Las Vegas	  	NM	  	 	87701-4988	 
	1019	  	 3301 Coors Blvd NW, Suite 16
	  	Albuquerque	  	NM	  	 	87120-1292	 
	1101	  	 6409 Abercorn Street, Suite A
	  	Savannah	  	GA	  	 	31405-5796	 
	1102	  	 3421-6 Cypress Mill Road
	  	Brunswick	  	GA	  	 	31520-2876	 
	1103	  	 2768 Cumberland Blvd SE
	  	Smyrna	  	GA	  	 	30080-3048	 
	1104	  	 3412 Wrightsboro Rd, Suite 902
	  	Augusta	  	GA	  	 	30909-1099	 
	1105	  	 1200 Ernest W. Barrett Pkwy NW, Suite 216
	  	Kennesaw	  	GA	  	 	30144-4513	 
	1106	  	 690 Hwy 29 N, Suite 135
	  	Athens	  	GA	  	 	30601-1545	 
	1107	  	 322 Oak Street, Suite 4
	  	Gainesville	  	GA	  	 	30501-3580	 
	1108	  	 755 Lawrenceville Suwanee Rd, Suite 1520
	  	Lawrenceville	  	GA	  	 	30043-7344	 
	1201	  	 3260 Electric Road, Suite 501
	  	Roanoke	  	VA	  	 	24018-6400	 
	1202	  	 165 Holt Garrison Pkwy, Unit 560B
	  	Danville	  	VA	  	 	24540-5949	 
	1203	  	 3920 Wards Road, Suite E
	  	Lynchburg	  	VA	  	 	24502-3569	 
	1204	  	 4511 John Tyler Highway, Suite A
	  	Williamsburg	  	VA	  	 	23185-2415	 
	1205	  	 614 Albemarle Square
	  	Charlottesville	  	VA	  	 	22901-7406	 
	1206	  	 5694 Brook Road
	  	Richmond	  	VA	  	 	23227-2274	 
	1207	  	 65 Conston Avenue
	  	Christiansburg	  	VA	  	 	24073-1164	 
	1208	  	 340 Town Center Dr
	  	Abingdon	  	VA	  	 	24210-3248	 
	1209	  	 7225 Bell Creek Rd, Suite 268
	  	Mechanicsville	  	VA	  	 	23111-3503	 
	1210	  	 932 Edwards Ferry Road NE, Suite B1
	  	Leesburg	  	VA	  	 	20176-3324	 
	1211	  	 9668 Liberia Avenue
	  	Manassas	  	VA	  	 	20110-1700	 
	1212	  	 241 Charles H. Dimmock Pkwy, Suite 1
	  	Colonial Heights	  	VA	  	 	23834-2915	 
	1213	  	 14516 Smoketown Rd
	  	Woodbridge	  	VA	  	 	22192-4719	 
	1214	  	 3940 Plank Rd, Suite K
	  	Fredericksburg	  	VA	  	 	22407-6869	 
	1215	  	 14260-M Centreville Square
	  	Centreville	  	VA	  	 	20121-2364	 
	1216	  	 2516 S. Pleasant Valley Road
	  	Winchester	  	VA	  	 	22601-7010	 
	1217	  	 6810-A Bland Street
	  	Springfield	  	VA	  	 	22150-2612	 

 SCHEDULE 7.6 

GAAP EXCEPTIONS 
 None.

 SCHEDULE 7.9 

PERMITTED LIENS 
 None.

 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. Unless otherwise indicated, the equity interests of each Subsidiary are owned directly by 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)

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

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

	 Upstate Motor Company

	 Credit Recovery Associates, Inc.

	 RMC Reinsurance, LTD

	 Regional Management Receivables, LLC

	 Regional Management Receivables II, LLC

	 Regional Management North Carolina Receivables Trust
2017-1

 SCHEDULE 7.19 

BANK ACCOUNTS 
  

													
	 Bank Name
	  	Account Number	  	City	  	State	  	Purpose	  	Company Name	  	Sweep
Account
	 Arvest Bank
	  	XXXXXXXXX	  	Bartlesville	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	 BancFirst
	  	XXXXXXXXX	  	Ardmore	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	 Bank Independent
	  	XXXXXXXXX	  	Athens	  	AL	  	Depository	  	Regional Finance Corporation of Alabama	  	
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Master
Funding	  	Regional Management Corp.	  	
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Master
Depository	  	Regional Management Corp.	  	
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Accounts
Payable	  	Regional Finance Company of New Mexico,
LLC	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Payroll	  	Regional Management Corp.	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	OK
Checking	  	Regional Management Corp.	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of South
Carolina	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of Texas	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of Texas	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Company of New Mexico,
LLC	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of North
Carolina	  	Sweep
	 Bank of America
	  	XXXXXXXXX	  	Minneapolis	  	MN	  	Depository	  	Regional Management Receivables, LLC	  	
	 BB & T
	  	XXXXXXXXX	  	Winston
Salem	  	NC	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	 BB & T
	  	XXXXXXXXX	  	Winston
Salem	  	NC	  	Depository	  	Regional Finance Corporation of North
Carolina	  	
	 BB & T
	  	XXXXXXXXX	  	Winston
Salem	  	NC	  	Depository	  	Regional Management Corp.	  	
	 First Bank (NC)
	  	XXXXXXXXX	  	Rockingham	  	NC	  	Depository	  	Regional Finance Corporation of North
Carolina	  	
	 First Bank (TN)
	  	XXXXXXXXX	  	Dickson	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	 First Bank AL
	  	XXXXXXXXX	  	Talladega	  	AL	  	Depository	  	Regional Finance Corporation of Alabama	  	
	 First Citizens
	  	XXXXXXXXX	  	Columbia	  	SC	  	Depository	  	Regional Finance Corporation of South
Carolina	  	
	 First National Bank of TX
	  	XXXXXXXXX	  	Killeen	  	TX	  	Depository	  	Regional Finance Corporation of Texas	  	
	 First State Bank (AL)
	  	XXXXXXXXX	  	Fort Payne	  	AL	  	Depository	  	Regional Finance Corporation of Alabama	  	
	 First Tennessee
	  	XXXXXXXXX	  	Memphis	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	 FNB Community Bank
	  	XXXXXXXXX	  	Midwest
City	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	 International Bank and Commerce
	  	XXXXXXXXX	  	Zapata	  	TX	  	Depository	  	Regional Finance Corporation of Texas	  	

													
	 Bank Name
	  	Account Number	  	City	  	State	  	Purpose	 	Company Name	  	Sweep
Account
	 Liberty Federal Savings Bank
	  	XXXXXXXXX	  	Enid	  	OK	  	Depository	 	Regional Finance Company of Oklahoma, LLC	  	
	 Merchants
	  	XXXXXXXXX	  	Jackson	  	AL	  	Depository	 	Regional Finance Corporation of Alabama	  	
	 Prosperity
	  	XXXXXXXXX	  	Abilene	  	TX	  	Depository	 	Regional Finance Corporation of Texas	  	
	 RCB
	  	XXXXXXXXX	  	Ponca
City	  	OK	  	Depository	 	Regional Finance Company of Oklahoma, LLC	  	
	 Southside
	  	XXXXXXXXX	  	Tyler	  	TX	  	Depository	 	Regional Finance Corporation of Texas	  	
	 Synovus
	  	XXXXXXXXX	  	Columbus	  	GA	  	Depository	 	Regional Finance Company of Georgia, LLC	  	
	 Synovus
	  	XXXXXXXXX	  	Columbus	  	GA	  	Depository	 	Regional Finance Corporation of South
Carolina	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Master Funding	 	Regional Management Corp.	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Insurance Refunds	 	Regional Management Corp.	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Tax Payments/Other ACH
Debits	 	Regional Management Corp.	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Depository	 	Regional Management Receivables, LLC	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Depository	 	Regional Management Receivables II, LLC	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	CRA Depository	 	Credit Recovery Associates, Inc.	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	RMC (Insurance ACH Credits)	 	Regional Management Corp.	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	RMC Reinsurance Depository	 	RMC Reinsurance, Ltd.	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	CRA Licensing	 	Credit Recovery Associates, Inc.	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Georgia Licensing	 	Regional Finance Company of Georgia, LLC	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	Missouri Licensing	 	Regional Finance Company of Missouri, LLC	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Licensing	 	Regional Finance Company of Virginia, LLC	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Checking	 	Regional Finance Corporation of Alabama	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	GA Checking	 	Regional Finance Company of Georgia, LLC	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	NC Checking	 	Regional Finance Corporation of North
Carolina	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Checking	 	Regional Finance Corporation of Alabama	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	NM Checking	 	Regional Finance Company of New Mexico,
LLC	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	SC Checking	 	Regional Finance Corporation of South
Carolina	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	TN Checking	 	Regional Finance Corporation of Tennessee	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	TX Checking	 	Regional Finance Corporation of Texas	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Checking	 	Regional Finance Company of Virginia, LLC	  	Sweep
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Depository	 	Regional Finance Corporation of Alabama	  	
	 Wells Fargo
	  	XXXXXXXXX	  	Greenville	  	SC	  	GA Depository	 	Regional Finance Company of Georgia, LLC	  	

													
	 Bank Name
	  	 Account
Number
	  	 City
	  	 State
	  	 Purpose
	  	 Company Name
	  	 Sweep
Account

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	NM Depository	  	 Regional Finance Company of New Mexico, LLC
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	NC Depository	  	 Regional Finance Corporation of North Carolina
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	TN Depository	  	 Regional Finance Corporation of Tennessee
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	SC Depository	  	 Regional Finance Corporation of South Carolina
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	TX Depository	  	 Regional Finance Corporation of Texas
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	VA Depository	  	 Regional Finance Company of Virginia, LLC
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	AL Loan Solicitation	  	 Regional Finance Corporation of Alabama
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	GA Loan Solicitation	  	 Regional Finance Company of Georgia, LLC
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	NM Loan Solicitation	  	 Regional Finance Company of New Mexico, LLC
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	NC Loan Solicitation	  	 Regional Finance Corporation of North Carolina
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	OK Loan Solicitation	  	 Regional Finance Company of Oklahoma, LLC
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	SC Loan Solicitation	  	 Regional Finance Corporation of South Carolina
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	TN Loan Solicitation	  	 Regional Finance Corporation of Tennessee
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	TX Loan Solicitation	  	 Regional Finance Corporation of Texas
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Greenville	  	SC	  	VA Checking	  	 Regional Finance Company of Virginia, LLC
	  	 Sweep

	 Wells Fargo
	  	 XXXXXXXXX
	  	Minneapolis	  	MN	  	Collection	  	 Regional Management Receivables II, LLC
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Minneapolis	  	MN	  	Reserve	  	 Regional Management Receivables II, LLC
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Minneapolis	  	MN	  	Reserve	  	 RMC Reinsurance Ltd.
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Minneapolis	  	MN	  	Collection	  	 Regional Management Receivables, LLC
	  	
	 Wells Fargo
	  	 XXXXXXXXX
	  	Minneapolis	  	MN	  	Reserve	  	 Regional Management Receivables, LLC
	  	

 SCHEDULE 8.3 

GUARANTIES 
 None. 

 SCHEDULE 8.6 

DEBT 
 None.EX-10.3

 Exhibit 10.3 

AMENDMENT NO. 1 TO 
 THE AMENDED
AND RESTATED CREDIT AGREEMENT 
 This Amendment No. 1 to the Amended and Restated Credit Agreement, is entered into as of
February 20, 2018 (this “Amendment”), among Regional Management Receivables, LLC, a Delaware limited liability company, as borrower (the “Borrower”), Regional Management Corp., a Delaware corporation, as servicer (the
“Servicer”), Wells Fargo Bank, National Association (“Wells Fargo Bank”), as the sole lender, and Wells Fargo Securities, LLC, as administrative agent for the Lenders (the “Administrative Agent”), and relates to the
Amended and Restated Credit Agreement, dated as of November 21, 2017 (the “Original Credit Agreement” and, as amended by this Amendment, the “Credit Agreement”), among the Borrower, the Servicer, the Lenders, the
Administrative Agent and Wells Fargo Bank, as account bank (in such capacity, the “Account Bank”), collateral custodian (in such capacity, the “Collateral Custodian”) and backup servicer (in such capacity, the “Backup
Servicer”). 
 Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in the Original
Credit Agreement. 
 RECITALS 

WHEREAS, pursuant to Section 15.01 of the Original Credit Agreement, no amendment, waiver or other modification of any provision of the
Original Credit Agreement shall be effective without the written agreement of the Borrower and the Administrative Agent and the consent of the Required Lenders; provided, however, that no such amendment, waiver or other modification shall, without
the written consent of all Lenders, amend certain definitions and provisions in the Original Credit Agreement; 
 WHEREAS, Wells Fargo Bank,
as the sole Lender, constitutes all Lenders and consents to this Amendment; and 
 WHEREAS, the parties hereto desire to amend the Original
Credit Agreement on the terms and in the manner set forth herein. 
 NOW, THEREFORE, in reliance upon the foregoing facts and in
consideration of the mutual agreements of the parties hereto, the parties hereby agree as follows: 
 Section 1.01. Amendment.
Effective as of the date hereof, and subject to the satisfaction of the conditions precedent set forth in Section 1.03, the Original Credit Agreement is hereby amended as follows: 

(a) The definition of “Defaulted Receivable” appearing in Section 1.01 of the Original Credit Agreement is hereby
deleted and replaced with the following: 
 “Defaulted Receivable” means any Receivable (i) with
respect to which any portion of a Scheduled Payment thereon remains unpaid for 180 days or more after the related due date for such payment, (ii) with respect to which the related Financed Vehicle (a) has been surrendered or repossessed
and the redemption period, if any, granted the related Obligor by Applicable Law has expired, (b) is to be repossessed but is unable to 

  
 Amendment No. 1 to

 A&R Credit Agreement 

 
be located or is otherwise subject to being repossessed or (c) has been repossessed by the Servicer and held in its inventory for 90 days or more, (iii) which has been settled for less
than the Principal Balance of such Receivable, (iv) which has been liquidated by the Servicer through the sale of the related Financed Vehicle, (v) for which Liquidation Proceeds have been received which, in the Servicer’s judgment,
constitute the final amounts recoverable in respect of such Receivable or (vi) which has been charged-off (or should have been charged-off) or is deemed uncollectible in accordance with the Collection Policy. For purposes of computing the Pool
Balance, the Principal Balance of any Receivable that becomes a “Defaulted Receivable” will be deemed to be zero as of the date it becomes a “Defaulted Receivable”. 

(b) The definition of “Effective Date Fee Letter” appearing in Section 1.01 of the Original Credit Agreement is hereby
deleted and replaced with the following: 
 “Effective Date Fee Letter” means, (i) prior to
February 20, 2018, the fee letter, dated as of the Effective Date, and (ii) on and after February 20, 2018, the amended and restated fee letter dated February 20, 2018, among the Borrower, the Servicer and the Administrative
Agent, setting forth, among other things, the Structuring Fee. 
 (c) The definition of “Interest Rate” appearing in
Section 1.01 of the Original Credit Agreement is hereby deleted and replaced with the following: 
 “Interest
Rate” means 3.25% per annum, computed on the basis of a 360-day year consisting of twelve 30-day months with the exception of the first Interest Period, which will be computed on the basis of the actual number of days elapsed and a
360-day year. 
 Section 1.02. Representation and Warranties. 

(a) Each of the Borrower and the Servicer, by executing this Amendment, hereby represents and warrants to the other parties hereto as of the
date hereof that (i) each of its representations and warranties set forth in the Original Credit Agreement is true and correct in all material respects as if made on the date hereof (except to the extent any such representation and warranty
expressly refers to an earlier date) and (ii) no Termination Event, Unmatured Termination Event or Servicer Termination Event has occurred and is continuing. 

(b) Each of the Borrower and the Servicer, by executing this Amendment, hereby represents and warrants to the other parties hereto as of the
date hereof that (i) the individual executing this Amendment on behalf of such party is duly authorized to do so, (ii) such party has full right and authority to enter into this Amendment and to consummate the transactions described in
this Amendment and (iii) each of this Amendment, the Original Credit Agreement and the Credit Agreement constitutes the valid and legally binding obligation of such party, enforceable against such party in accordance with its terms. 

(c) Each of the Borrower and the Servicer hereby represents and certifies that this Amendment does not amend, modify or otherwise affect the
rights or duties of the Account Bank, the Collateral Custodian or the Backup Servicer. 

  
 Amendment No. 1 to

 A&R Credit Agreement 

 Section 1.03. Conditions to Effectiveness. This Amendment shall become effective as
of the date hereof, immediately upon satisfaction of the following conditions: (a) receipt by each of the parties hereto of an executed counterpart of this Amendment and (b) receipt of such other documents, certificates and opinions as the
Lender or the Administrative Agent may reasonably request. 
 Section 1.04. Full Force and Effect. Except as hereby modified
pursuant to this Amendment, the Original Credit Agreement shall continue in full force and effect. Each of the parties hereto, acknowledge and agree that the Amendments set forth in Section 1.01 hereof, shall have no retroactive effect on the
terms set forth in the Original Credit Agreement. 
 Section 1.05. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY,
AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO ITS CONFLICTS OF LAW PROVISIONS (OTHER THAN § 5-1401 AND
§ 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW). EACH OF THE PARTIES HERETO HEREBY AGREES TO THE NONEXCLUSIVE JURISDICTION OF THE COURTS OF THE STATE OF NEW YORK, LOCATED IN THE BOROUGH OF
MANHATTAN AND THE FEDERAL COURTS LOCATED WITHIN THE STATE OF NEW YORK IN THE BOROUGH OF MANHATTAN. EACH OF THE PARTIES HERETO HEREBY WAIVES ANY OBJECTION BASED ON FORUM NON CONVENIENS, AND ANY OBJECTION TO VENUE OF ANY ACTION INSTITUTED HEREUNDER IN
ANY OF THE AFOREMENTIONED COURTS AND CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE RELIEF AS IS DEEMED APPROPRIATE BY SUCH COURT. 

Section 1.06. WAIVER OF JURY TRIAL. TO THE EXTENT PERMITTED BY APPLICABLE LAW, EACH OF THE PARTIES HERETO WAIVES ANY
RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE BETWEEN THE PARTIES HERETO ARISING OUT OF, CONNECTED WITH, RELATED TO, OR INCIDENTAL TO THE RELATIONSHIP BETWEEN ANY OF THEM IN CONNECTION
WITH THIS AMENDMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. INSTEAD, ANY SUCH DISPUTE RESOLVED IN COURT WILL BE RESOLVED IN A BENCH TRIAL WITHOUT A JURY. 

Section 1.07. Execution in Counterparts. This Amendment may be executed in any number of counterparts and by different parties
hereto on separate counterparts, each of which counterparts, when so executed and delivered, shall be deemed to be an original and all of which counterparts, taken together, shall constitute but one and the same Amendment. By execution of this
Amendment, the Lender acknowledges and consents to this Amendment pursuant to Section 15.01 of the Original Credit Agreement. 

Section 1.08. Delivery to the Account Bank, Collateral Custodian and Backup Servicer. The Borrower shall promptly provide an
executed copy of this Amendment to the Account Bank, the Collateral Custodian and the Backup Servicer. 

  
 Amendment No. 1 to

 A&R Credit Agreement 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by their
respective officers thereunto duly authorized, as of the date first above written. 
  

									
	THE BORROWER:	 		 	REGIONAL MANAGEMENT RECEIVABLES, LLC
				
		 		 	By:	 	/s/ Donald E. Thomas
		 		 		 	Name:	 	Donald E. Thomas
		 		 		 	Title:	 	EVP and CFO
			
	THE SERVICER:	 		 	REGIONAL MANAGEMENT CORP.
				
		 		 	By:	 	/s/ Donald E. Thomas
		 		 		 	Name:	 	Donald E. Thomas
		 		 		 	Title:	 	EVP and CFO

  
 Amendment No. 1 to

 A&R Credit Agreement 

									
	THE ADMINISTRATIVE AGENT:	 		 	WELLS FARGO SECURITIES, LLC
				
		 		 	By:	 	/s/ Brian Grushkin
		 		 		 	Name:	 	Brian Grushkin
		 		 		 	Title:	 	Director
			
	LENDER:	 		 	WELLS FARGO BANK, NATIONAL ASSOCIATION
				
		 		 	By:	 	/s/ Brian Grushkin
		 		 		 	Name:	 	Brian Grushkin
		 		 		 	Title:	 	Director

  
 Amendment No. 1 to

 A&R Credit Agreement

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00282-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00282-of-00352.parquet"}]]