RM · Regional Management Corp.

Regional Management Corp. executed a coordinated amendment of its senior revolving credit facility and four warehouse credit facilities (RMR IV through RMR VII). The primary objective of these amendments is to facilitate the pledge of receivables originated by a bank partner, subject to specific conditions. This structural change is accompanied by the extension of maturity dates across the warehouse facilities, generally pushing them out by approximately one year (e.g., RMR IV to May 2028, RMR VI to April 2029). Pricing and structural adjustments were also implemented; notably, the RMR VII facility saw a reduction in the advance rate to 72.5% under certain concentration limit elections and a reduction in the interest margin to 2.1%. Additionally, the RMR VI facility removed the minimum credit score requirement for Eligible Receivables. These amendments collectively enhance the Company's funding flexibility and liquidity runway.