Exhibit 10.2
EXECUTION VERSION
FIRST AMENDMENT TO SIXTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
This First Amendment to Sixth Amended and Restated Loan and Security Agreement (this “Amendment”) is made as of November 21, 2017, 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 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 November 20, 2017, there was outstanding the aggregate principal amount of $474,203,608.83 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 1DEFINED 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 2AMENDMENTS.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, 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 the definition of “Intercreditor Agreement” and replacing it with the following: |
| | • | | “Intercreditor Agreement shall mean that certain Second Amended and Restated Intercreditor Agreement originally dated June 20, 2017, and as amended by that certain Amendment No. 1 to Intercreditor Agreement dated November 21, 2017, entered into by the Agent, the Collateral Agent, Regional, in its individual capacity and as servicer under the Securitization Documents and the other parties thereto, including any Securitization Agent or any Warehouse Facility Agent and as acknowledged by the Borrowers, Regional Management Receivables, LLC, Regional Management Receivables II, LLC and any Special Purpose Subsidiary formed for the purpose of entering into any Warehouse Facility or Securitization, as such Second Amended and Restated Intercreditor Agreement, as amended, may be further amended, restated or otherwise modified and in effect from time to time, among the Persons then party thereto.” |
| | c. | The Schedules attached to the Loan Agreement are hereby replaced with the Schedules attached hereto as Exhibit A. |
Section 3REPRESENTATIONS AND WARRANTIES.
Each of the Borrowers hereby represents and warrants to the Agent, as of the Amendment Effective Date, as follows:
3.1Authorization; 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.
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3.2No 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.
3.3Restatement 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 4CONDITIONS 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, (c) the Agent shall have received an executed Reaffirmation from the Guarantors, (d) the Agent shall have received a fee in the amount of $1,000.00 in connection with this Amendment, and (e) the Agent shall have received the First Amendment to Second Amended and Restated Intercreditor Agreement dated the date hereof, executed by the parties to the Intercreditor Agreement.
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Section 5CONSENT
The Agent and the Lenders hereby consent for all purposes under the Loan Agreement and the other Loan Documents (including, without limitation, Section 8.18(a) of the Loan Agreement), to Regional’s entering into that certain Amended and Restated Credit Agreement dated November 21, 2017 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, 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 6MISCELLANEOUS.
6.1Governing 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).
6.2Severability. 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.
6.3Counterparts. 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.
6.4Headings. 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.
6.5Negotiations. 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.
6.6Nonwaiver. 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.
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6.7Reference 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.
6.8Acknowledgment; 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.
6.9Reaffirmation. 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.
6.10Waiver 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.
6.11Loan Document. This Amendment is a Loan Document.
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6.12Fees 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.
[Signature Pages Follow]
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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 |
| | |
| 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 |
| | |
| 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 |
| | |
| |
| By: | | /s/ Chris S. Abele |
| Name: Chris S. Abele |
| Title: Sr. Director |
|
| Commitment = $25,000,000.00 |
|
| TEXAS CAPITAL BANK, N.A. |
| as a Lender |
| | |
| |
| By: | | /s/ Stephanie Bowman |
| Name: Stephanie Bowman |
| Title: SVP |
|
| Commitment = $35,000,000.00 |
| | |
|
| WELLS FARGO BANK, NATIONAL ASSOCIATION |
| | |
| as a Lender |
| |
| By: | | /s/ William M. Laird |
| Name: William M. Laird |
| Title: SVP |
|
| Commitment = $165,000,000.00 |
|
| CAPITAL BANK, N.A. |
| as a Lender |
| | |
| |
| By: | | /s/ Lam B. Britton |
| Name: Lam B. Britton |
| Title: SVP |
|
| Commitment = $20,000,000.00 |
|
| BANKUNITED, N.A. |
| as a Lender |
| | |
| |
| By: | | /s/ Stephen Derby |
| Name: Stephen Derby |
| Title: SVP |
|
| 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 |
| 101 | | 101 Verdae Boulevard, Suite 130 | | Greenville | | SC | | 29607-3887 |
| 103 | | 1544 West Floyd Baker Blvd | | Gaffney | | SC | | 29341-1204 |
| 104 | | 7800 Rivers Ave. Suite 1450 | | North Charleston | | SC | | 29406-3241 |
| 105 | | 120 Highway 14, Suite C | | Simpsonville | | SC | | 29681-6056 |
| 106 | | 2303 Boundary Street, Suite 3 | | Beaufort | | SC | | 29902-3720 |
| 107 | | 1200 Sam Rittenburg Blvd, Suite B | | Charleston | | SC | | 29407-5006 |
| 108 | | 6729 Two Notch Road, Suite L | | Columbia | | SC | | 29223-7535 |
| 109 | | 314 Richland Avenue West | | Aiken | | SC | | 29801-3868 |
| 110 | | 110 A North Memorial Avenue | | Walterboro | | SC | | 29488-3908 |
| 111 | | 1641 Springdale Dr, Suite C | | Camden | | SC | | 29020-2091 |
| 112 | | 592 North Anderson Road | | Rock Hill | | SC | | 29730-7300 |
| 113 | | 251 Broad Street | | Sumter | | SC | | 29150-4146 |
| 114 | | 1450 W.O. Ezell Blvd, Suite 950 | | Spartanburg | | SC | | 29301-1500 |
| 115 | | 716 B Montague Avenue | | Greenwood | | SC | | 29649-1439 |
| 118 | | 1610 Church Street, Suite D | | Conway | | SC | | 29526-2960 |
| 119 | | 1113 N. Fraser Street | | Georgetown | | SC | | 29440-2851 |
| 121 | | 2705 C North Main Street | | Anderson | | SC | | 29621-3283 |
| 122 | | 1136 Orangeburg Mall Circle | | Orangeburg | | SC | | 29115-3439 |
| 123 | | 810 Dutch Square Blvd., Suite 102 | | Columbia | | SC | | 29210-7318 |
| 124 | | 145 Highway 15 & 401 Bypass, Suite 7 | | Bennettsville | | SC | | 29512-4359 |
| 125 | | 112 East Carolina Avenue | | Hartsville | | SC | | 29550-4214 |
| 126 | | 115 E Richardson Avenue | | Summerville | | SC | | 29483-6332 |
| 127 | | 2889 Main Street | | Newberry | | SC | | 29108-4133 |
| 128 | | 109 East Main Street | | Lake City | | SC | | 29560-2626 |
| 129 | | 410 D North Duncan Bypass | | Union | | SC | | 29379-8641 |
| 130 | | 517 Radford Blvd, Suite D | | Dillon | | SC | | 29536-2469 |
| 131 | | 1309 B West Poinsett Street | | Greer | | SC | | 29650-1251 |
| 132 | | 605 Broadway Street | | Myrtle Beach | | SC | | 29577-3814 |
| 133 | | 5809 Calhoun Memorial Hwy, Suite K | | Easley | | SC | | 29640-3876 |
| 134 | | 1137-B Hwy 9 Bypass W | | Lancaster | | SC | | 29720-4781 |
| 135 | | 1107 East Godbold Street | | Marion | | SC | | 29571-3907 |
| 136 | | 129 Lee Avenue | | Hampton | | SC | | 29924-3439 |
| 137 | | 1612 State Rd, Suite A-14 | | Cheraw | | SC | | 29520-5106 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 139 | | 141 E. Church Street, Suite M | | Batesburg-Leesville | | SC | | 29070-7066 |
| 140 | | 104 Bi-Lo Way, Suite A2 | | Moncks Corner | | SC | | 29461-3975 |
| 141 | | 197 Main Street | | Barnwell | | SC | | 29812-1847 |
| 142 | | 721 US Hwy 321 BYP South, Unit 11 | | Winnsboro | | SC | | 29180-6326 |
| 143 | | 3720 Boiling Springs Rd, Suite F | | Boiling Springs | | SC | | 29316-5760 |
| 144 | | 211 Oconee Square Drive | | Seneca | | SC | | 29678-2546 |
| 145 | | 507 N Harper Street, Suite D | | Laurens | | SC | | 29360-2337 |
| 146 | | 348 North Highway 701 Unit 1 | | Loris | | SC | | 29569-2464 |
| 147 | | 404 E. Martintown Road, Suite D | | North Augusta | | SC | | 29841-4236 |
| 148 | | 938 E. Liberty Street | | York | | SC | | 29745-1662 |
| 149 | | 200 West Mill Street | | Kingstree | | SC | | 29556-3340 |
| 151 | | 134 Saint James Avenue, Suite 6 | | Goose Creek | | SC | | 29445-2995 |
| 153 | | 229 Apple Square Plaza | | Edgefield | | SC | | 29824-4203 |
| 154 | | 218 City Square | | Belton | | SC | | 29627-1433 |
| 155 | | 1035 Johnnie Dodds Blvd., Suite C-7 | | Mt. Pleasant | | SC | | 29464-6154 |
| 156 | | 867 U.S. Highway 17 South | | North Myrtle Beach | | SC | | 29582-3428 |
| 157 | | 7509 Garners Ferry Road, Suite F | | Columbia | | SC | | 29209-2664 |
| 158 | | 3405 White Horse Road, Suite C | | Greenville | | SC | | 29611-5947 |
| 160 | | 7249 Saint Andrews Road, Suite B | | Columbia | | SC | | 29212-1178 |
| 161 | | 400 N Dobys Bridge Rd, Suite 103 | | Fort Mill | | SC | | 29715-6805 |
| 180 | | 2523 S. Cashua Dr. | | Florence | | SC | | 29501-5350 |
| 187 | | 475 N Main Street, Suite D | | Hemingway | | SC | | 29554-9191 |
| 189 | | 103 South Brooks Street | | Manning | | SC | | 29102-3111 |
| 190 | | 509 12th Street | | West Columbia | | SC | | 29169-6334 |
| 301 | | 2301 Wade Hampton Blvd., Suite 3 | | Greenville | | SC | | 29615-1059 |
| 303 | | 100 Forum Dr, Suite 4 | | Columbia | | SC | | 29229-7945 |
| 304 | | 110 Garner Road, Suite 10 | | Spartanburg | | SC | | 29303-3155 |
| 305 | | 1884 Columbia Road | | Orangeburg | | SC | | 29115-3365 |
| 306 | | 1222 West Evans Street | | Florence | | SC | | 29501-3322 |
| 307 | | 8600 Dorchester Rd, Suite 203 | | North Charleston | | SC | | 29420-7383 |
| 308 | | 479 Bypass 72 NW, Suite 111 | | Greenwood | | SC | | 29649-1405 |
| 309 | | 5175 Sunset Blvd., Suite 4 | | Lexington | | SC | | 29072-7320 |
| 311 | | 124 Commons Parkway | | Anderson | | SC | | 29621-4133 |
| 312 | | 1300 Savannah Highway, Suite 11 | | Charleston | | SC | | 29407-7849 |
| 313 | | 708 Bultman Drive | | Sumter | | SC | | 29150-2517 |
| 501 | | 2523 East 5th Street | | Tyler | | TX | | 75701-3544 |
| 502 | | 500 8th Avenue, Suite 100 | | Fort Worth | | TX | | 76104-2065 |
| 503 | | 217 S. Oklahoma Ave, Suite D | | Weslaco | | TX | | 78596-7970 |
| 504 | | 2912 North Laurent Street | | Victoria | | TX | | 77901-4141 |
| 505 | | 2501 N. 23rd Street, Suite 30 | | McAllen | | TX | | 78501-7891 |
| 506 | | 318 East Jackson Street | | Harlingen | | TX | | 78550-6850 |
| 507 | | 502 West Calton Road, Suite 109 | | Laredo | | TX | | 78041-6631 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 508 | | 2200 Boca Chica Blvd, Suite 104 | | Brownsville | | TX | | 78521-2241 |
| 509 | | 1121 SW Military Drive, Suite 103 | | San Antonio | | TX | | 78221-1672 |
| 510 | | 4918 Ayers Road, Suite 136 | | Corpus Christi | | TX | | 78415-1431 |
| 511 | | 530 S Zapata Highway, Suite 3 | | Laredo | | TX | | 78043-5037 |
| 512 | | 2400 Veterans Blvd, Suite 10 | | Del Rio | | TX | | 78840-3136 |
| 513 | | 4761 E Hwy 83, Suite B | | Rio Grande City | | TX | | 78582-6494 |
| 514 | | 2708 H East Griffin Parkway | | Mission | | TX | | 78572-3309 |
| 515 | | 206 B San Antonio Street | | San Marcos | | TX | | 78666-5585 |
| 516 | | 14145 Nacogdoches Road, Suite 1 | | San Antonio | | TX | | 78247-1931 |
| 517 | | 220 Jefferson Street | | Eagle Pass | | TX | | 78852-4820 |
| 518 | | 2551 Judson Road, Suite C | | Longview | | TX | | 75605-4645 |
| 519 | | 8868 Research Blvd., Suite 705 | | Austin | | TX | | 78758-8522 |
| 520 | | 3221 Wurzbach Road | | San Antonio | | TX | | 78238-4002 |
| 521 | | 218 East Kleberg Avenue | | Kingsville | | TX | | 78363-4573 |
| 522 | | 840 Secretary Drive | | Arlington | | TX | | 76015-1640 |
| 523 | | 817 West Pioneer Parkway, Suite 156 | | Grand Prairie | | TX | | 75051-4738 |
| 524 | | 1615 North Valley Mills Drive | | Waco | | TX | | 76710-2552 |
| 525 | | 3655 Fredericksburg Road, Suite 119 | | San Antonio | | TX | | 78201-3859 |
| 526 | | 1919 South Texas Ave | | Bryan | | TX | | 77802-1832 |
| 527 | | 2314 C West Adams Avenue | | Temple | | TX | | 76504-3931 |
| 528 | | 2725 NE 28th Street, Suite 130 | | Fort Worth | | TX | | 76111-2966 |
| 529 | | 1918 North Story Road | | Irving | | TX | | 75061-1936 |
| 530 | | 3115 South 1st, Suite 300 | | Garland | | TX | | 75041-3422 |
| 531 | | 719 West William Cannon Drive, Suite 112 | | Austin | | TX | | 78745-3981 |
| 532 | | 1645 E. Canton Rd | | Edinburg | | TX | | 78542-2925 |
| 533 | | 1804 Wirt Road | | Houston | | TX | | 77055-2407 |
| 534 | | 5517 Airline Drive, Suite E | | Houston | | TX | | 77076-4946 |
| 535 | | 3910 Fairmont Parkway, Suite D | | Pasadena | | TX | | 77504-3066 |
| 536 | | 12220 Murphy Road, Suite H | | Stafford | | TX | | 77477-2410 |
| 537 | | 6240 Phelan Blvd | | Beaumont | | TX | | 77706-6120 |
| 538 | | 4525 Rigsby Avenue, Suite 106 | | San Antonio | | TX | | 78222-1275 |
| 539 | | 459 Uvalde Road | | Houston | | TX | | 77015-3717 |
| 540 | | 3401 W. Davis Street, Suite A1 | | Conroe | | TX | | 77304-1841 |
| 541 | | 6003 Bellaire Blvd., Suite G | | Houston | | TX | | 77081-5421 |
| 542 | | 500 N. Oregon, Suite E | | El Paso | | TX | | 79901-1124 |
| 543 | | 8720 Alameda Ave., Suite A | | El Paso | | TX | | 79907-6275 |
| 544 | | 10755 N. Loop Drive, Suite P | | Socorro | | TX | | 79927-4694 |
| 545 | | 3333 N. Yarbrough Dr., Suite V | | El Paso | | TX | | 79925-1739 |
| 546 | | 9861 Dyer Street, Suite 4 | | El Paso | | TX | | 79924-4747 |
| 547 | | 6920 Delta Drive, Suite 2 | | El Paso | | TX | | 79905-5519 |
| 548 | | 1605 George Dieter Drive, Suite 302 | | El Paso | | TX | | 79936-6586 |
| 549 | | 3806 Avenue I, Suite 22 | | Rosenberg | | TX | | 77471-3951 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 550 | | 7500 Eckhert Road, Suite 460 | | San Antonio | | TX | | 78240-3068 |
| 551 | | 5015 FM 2920 Road, Suite B | | Spring | | TX | | 77388-3114 |
| 552 | | 230 W. Parker Road, Suite 190 | | Plano | | TX | | 75075-2383 |
| 553 | | 11819 West Avenue, Suite 2 | | San Antonio | | TX | | 78216-2533 |
| 554 | | 3465 W. Walnut Street, Suite 107 | | Garland | | TX | | 75042-7169 |
| 555 | | 1015 S. Mays Street, Suite 101 | | Round Rock | | TX | | 78664-6745 |
| 556 | | 6242 Rufe Snow Drive, Suite 230 | | North Richland Hills | | TX | | 76148-3347 |
| 557 | | 1703 Shaver Street | | Pasadena | | TX | | 77502-2027 |
| 558 | | 2550 Broadway Street | | Pearland | | TX | | 77581-4904 |
| 559 | | 11925 Southwest Freeway, Suite 6 | | Stafford | | TX | | 77477-2300 |
| 560 | | 4485 North Freeway | | Houston | | TX | | 77022-6229 |
| 561 | | 873 S. Mason Road, Suite 324 | | Katy | | TX | | 77450-3882 |
| 562 | | 3917 W. Camp Wisdom Road, Suite 107 | | Dallas | | TX | | 75237-2468 |
| 563 | | 2506 25th Avenue North, Suite 2 | | Texas City | | TX | | 77590-4666 |
| 564 | | 2901 Alta Mere Drive, Suite 1000 | | Fort Worth | | TX | | 76116-4180 |
| 565 | | 1700 N. Zaragoza Rd., Suite 103 | | El Paso | | TX | | 79936-7964 |
| 566 | | 14181 Northwest Freeway | | Houston | | TX | | 77040-5013 |
| 567 | | 1931 Texas Parkway | | Missouri City | | TX | | 77489-3121 |
| 568 | | 1101 E. Highway 6, Suite A | | Alvin | | TX | | 77511-2878 |
| 569 | | 2364 E. Southcross Blvd. | | San Antonio | | TX | | 78223-2263 |
| 570 | | 1420 FM 1960 Bypass Rd. E, Suite 118 | | Humble | | TX | | 77338-3934 |
| 571 | | 5488 Walzem Rd | | San Antonio | | TX | | 78218-2125 |
| 572 | | 2301 N. Collins Street, Suite 116 | | Arlington | | TX | | 76011-2645 |
| 573 | | 901 N. Raul Longoria Rd, Suite 4 | | San Juan | | TX | | 78589-3747 |
| 574 | | 4010 W. Commerce St, Suite 101 | | San Antonio | | TX | | 78207-3650 |
| 575 | | 4902 Holly Rd, Suite 112 | | Corpus Christi | | TX | | 78411-4767 |
| 576 | | 16876 Stuebner Airline Rd | | Spring | | TX | | 77379-6207 |
| 577 | | 713 W. Wheatland Rd | | Duncanville | | TX | | 75116-4520 |
| 578 | | 3719 N. Fry Rd, Suite O | | Katy | | TX | | 77449-6740 |
| 579 | | 4509 50th Street | | Lubbock | | TX | | 79414-3611 |
| 580 | | 4070 N. Belt Line Road, Suite 153 | | Irving | | TX | | 75038-5010 |
| 581 | | 12637 Westheimer Rd, Suite 150 | | Houston | | TX | | 77077-5746 |
| 582 | | 9714 Potranco Road, Suite 113 | | San Antonio | | TX | | 78251-9617 |
| 583 | | 2400 E. Oltorf Street, Suite 12A | | Austin | | TX | | 78741-4567 |
| 584 | | 2644 SW 34th Avenue | | Amarillo | | TX | | 79109-4806 |
| 585 | | 1607 East 8th Street, Suite A | | Odessa | | TX | | 79761-4806 |
| 586 | | 2252 E. Main Street | | Uvalde | | TX | | 78801-4947 |
| 587 | | 1645 Pat Booker Road, Suite 115 | | Universal City | | TX | | 78148-3400 |
| 588 | | 810 E. Veterans Blvd,Suite F | | Palmview | | TX | | 78572-5019 |
| 589 | | 3552 Sherwood Way | | San Angelo | | TX | | 76901-3533 |
| 590 | | 7097 N Expressway 77, Suite 4 | | Olmito | | TX | | 78575-9808 |
| 591 | | 3482 Catclaw Drive | | Abilene | | TX | | 79606-8224 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 592 | | 1909 Texoma Parkway, Suite G | | Sherman | | TX | | 75090-2668 |
| 593 | | 3301 E. Rancier Ave, Suite 103G | | Killeen | | TX | | 76543-7855 |
| 594 | | 601 Sunset Street | | Denton | | TX | | 76201-2665 |
| 595 | | 1812 Santa Fe Dr, Suite D | | Weatherford | | TX | | 76086-6429 |
| 596 | | 2708 Southwest Pkwy, Suite 114 | | Wichita Falls | | TX | | 76308-3727 |
| 597 | | 386 Landa St, Suite B | | New Braunfels | | TX | | 78130-5401 |
| 598 | | 120 FM2821 Rd W, Suite C | | Huntsville | | TX | | 77320-8414 |
| 601 | | 11 Crispin Ct, Suite 103 | | Asheville | | NC | | 28803-8208 |
| 602 | | 2367 Hwy 70 SE | | Hickory | | NC | | 28602-8300 |
| 650 | | 2568 West Franklin Blvd | | Gastonia | | NC | | 28052-1250 |
| 651 | | 7309 East Independence Blvd., Suite 24 | | Charlotte | | NC | | 28227-9439 |
| 652 | | 1897 E. Broad Street | | Statesville | | NC | | 28625-4307 |
| 653 | | 3733 B Farmington Drive | | Greensboro | | NC | | 27407-6246 |
| 654 | | 2108 N Centennial Street, Suite 114 | | High Point | | NC | | 27262-7742 |
| 655 | | 3193 D Peters Creek Parkway | | Winston Salem | | NC | | 27127-4710 |
| 656 | | 811 South Jake Alexander Blvd | | Salisbury | | NC | | 28147-9058 |
| 657 | | 9601 North Tryon Street, Suite H | | Charlotte | | NC | | 28262-8460 |
| 658 | | 3306 Highway 74 West, Unit D | | Monroe | | NC | | 28110-8695 |
| 659 | | 6407 South Blvd., Suite J | | Charlotte | | NC | | 28217-4401 |
| 660 | | 638 Spartanburg Highway, Suite 30 | | Hendersonville | | NC | | 28792-5921 |
| 661 | | 2140 South Church Street | | Burlington | | NC | | 27215-5328 |
| 662 | | 1231 Rockingham Rd. | | Rockingham | | NC | | 28379-4958 |
| 663 | | 1337 C East Dixie Drive | | Asheboro | | NC | | 27203-8889 |
| 664 | | 3379 Cloverleaf Parkway | | Kannapolis | | NC | | 28083-6991 |
| 665 | | 1941 Hoffman Road, Suite 10 | | Gastonia | | NC | | 28054-7524 |
| 667 | | 2403 Battleground Avenue, Suite 10 | | Greensboro | | NC | | 27408-4035 |
| 668 | | 420 Eastwood Road, Suite 101 | | Wilmington | | NC | | 28403-1866 |
| 669 | | 1829 Capital Boulevard, Suite 105 | | Raleigh | | NC | | 27604-2177 |
| 670 | | 5410 NC Highway 55, Suite R | | Durham | | NC | | 27713-7802 |
| 671 | | 4964 Martin View Lane | | Winston Salem | | NC | | 27104-5066 |
| 672 | | 1111 Ireland Drive, Suite 102 | | Fayetteville | | NC | | 28304-3329 |
| 673 | | 5069 Fayetteville Rd | | Lumberton | | NC | | 28358-2107 |
| 674 | | 3250 Wilkinson Blvd., Suite H | | Charlotte | | NC | | 28208-5667 |
| 675 | | 1330 Fifth Avenue, Suite 250 | | Garner | | NC | | 27529-3638 |
| 676 | | 2630 S. Main Street, Suite 103 | | High Point | | NC | | 27263-1941 |
| 677 | | 12265 Capital Blvd. | | Wake Forest | | NC | | 27587-6200 |
| 678 | | 4731 Ramsey Street | | Fayetteville | | NC | | 28311-1614 |
| 679 | | 260 Summit Square Blvd, Unit A6 | | Winston Salem | | NC | | 27105-1461 |
| 680 | | 2316 S. 17th Street, Suite 120 | | Wilmington | | NC | | 28401-7913 |
| 681 | | 1331 Mebane Oaks Rd | | Mebane | | NC | | 27302-9681 |
| 682 | | 5539 W. Market St | | Greensboro | | NC | | 27409-2525 |
| 683 | | 3607 Matthews Mint Hill Road, Suite 10 | | Matthews | | NC | | 28105-4146 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 684 | | 460 Moye Blvd, Suite 103 | | Greenville | | NC | | 27834-2886 |
| 685 | | 5279 N. Roxboro Road, Suite E, Box 8 | | Durham | | NC | | 27712 |
| 701 | | 7118 Maynardville Highway | | Knoxville | | TN | | 37918-5738 |
| 702 | | 3014 Bristol Highway, Suite 3 | | Johnson City | | TN | | 37601-1512 |
| 703 | | 421 West Stone Drive, Suite 3 | | Kingsport | | TN | | 37660-3270 |
| 704 | | 1135 Volunteer Parkway, Suite 1 | | Bristol | | TN | | 37620-4658 |
| 705 | | 5716 Ringgold Road, Unit 106 | | Chattanooga | | TN | | 37412-3597 |
| 706 | | 891 Keith Street NW, Suite 6 | | Cleveland | | TN | | 37311-1879 |
| 707 | | 126 The Crossings | | Crossville | | TN | | 38555-8754 |
| 708 | | 1645 Downtown West Blvd., Unit 11 | | Knoxville | | TN | | 37919-5411 |
| 709 | | 516 S. Willow Avenue | | Cookeville | | TN | | 38501-3727 |
| 710 | | 1631 E. Andrew Johnson Highway | | Morristown | | TN | | 37814-5401 |
| 711 | | 1240 NW Broad Street | | Murfreesboro | | TN | | 37129-1713 |
| 712 | | 224 West Main Street, Suite D | | Lebanon | | TN | | 37087-2680 |
| 713 | | 136 Bear Creek Pike, Suite E | | Columbia | | TN | | 38401-2484 |
| 714 | | 2565 East Andrew Johnson Highway | | Greeneville | | TN | | 37745-0951 |
| 715 | | 319 Vann Drive, Suite B | | Jackson | | TN | | 38305-6032 |
| 716 | | 2021 Gallatin Pike North, Suite 240 | | Madison | | TN | | 37115-2029 |
| 717 | | 200 Able Drive, Suite 16 | | Dayton | | TN | | 37321-6034 |
| 718 | | 121 Henslee Drive, Suite H | | Dickson | | TN | | 37055-2076 |
| 719 | | 1321 Bell Road | | Antioch | | TN | | 37013-3730 |
| 720 | | 371 West Church Street | | Lexington | | TN | | 38351-2096 |
| 721 | | 7444 Winchester Road, Suite 104 | | Memphis | | TN | | 38125-2206 |
| 801 | | 449 George Wallace Drive | | Gadsden | | AL | | 35903-2282 |
| 802 | | 2314 6th Avenue SE, Suite B | | Decatur | | AL | | 35601-6565 |
| 803 | | 4925 University Drive, Suite 110 | | Huntsville | | AL | | 35816-1849 |
| 804 | | 2801 Mall Road, Suite 9 | | Florence | | AL | | 35630-1676 |
| 805 | | 8144 U.S. Hwy 431 | | Albertville | | AL | | 35950-1135 |
| 806 | | 1225 Snow Street, Suite 4 | | Oxford | | AL | | 36203-1964 |
| 807 | | 1710 2nd Avenue SW, Suite 5 | | Cullman | | AL | | 35055-5337 |
| 808 | | 1845 Montgomery Hwy, Suite 221 | | Hoover | | AL | | 35244-2501 |
| 809 | | 2001 Skyland Blvd. East, Suite C-1 | | Tuscaloosa | | AL | | 35405-1545 |
| 810 | | 1930 Edwards Lake Road, Suite 120 | | Birmingham | | AL | | 35235-3719 |
| 811 | | 246 Interstate Commercial Park Loop | | Prattville | | AL | | 36066-7361 |
| 812 | | 3074 Ross Clark Circle, Suite 8 | | Dothan | | AL | | 36301-1194 |
| 813 | | 2140 E. University Drive, Suite E | | Auburn | | AL | | 36830-1853 |
| 814 | | 6144 Atlanta Highway | | Montgomery | | AL | | 36117-2800 |
| 815 | | 3304 U.S. Highway 80 West, Suite E | | Phenix City | | AL | | 36870-6405 |
| 816 | | 220 Town Mart | | Clanton | | AL | | 35045-3784 |
| 817 | | 792 Commerce Drive, Suite 101 | | Alexander City | | AL | | 35010-4213 |
| 818 | | 5238 U.S. Highway 90 W, Suite D | | Mobile | | AL | | 36619-4220 |
| 819 | | 5031 Ford Parkway, Suite 104 | | Bessemer | | AL | | 35022-5284 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 820 | | 6345 Airport Boulevard, Suite G | | Mobile | | AL | | 36608-3127 |
| 821 | | 1237 Highway 231 South | | Troy | | AL | | 36081-3054 |
| 822 | | 631 Willow Lane, Suite K | | Greenville | | AL | | 36037-8028 |
| 823 | | 1605 S. Broad Street | | Scottsboro | | AL | | 35768-2610 |
| 824 | | 458 1st Street SW | | Alabaster | | AL | | 35007-9703 |
| 825 | | 4405 N. College Avenue, Suite C | | Jackson | | AL | | 36545-2045 |
| 826 | | 1123 N. McKenzie Street | | Foley | | AL | | 36535-3550 |
| 827 | | 1209 N. Main Avenue | | Sylacauga | | AL | | 35150-1648 |
| 828 | | 33208 Highway 43, Suite A | | Thomasville | | AL | | 36784-1631 |
| 829 | | 906 McMeans Avenue, Suite B | | Bay Minette | | AL | | 36507-3308 |
| 830 | | 306 Palisades Blvd, Suite 4 | | Homewood | | AL | | 35209-5148 |
| 831 | | 632 Boll Weevil Circle | | Enterprise | | AL | | 36330-2734 |
| 870 | | 1310 Quintard Avenue | | Anniston | | AL | | 36201-4620 |
| 871 | | 959 Gilbert Ferry Road, SE Suite M | | Attalla | | AL | | 35954-3335 |
| 872 | | 3186 Alabama Highway 157 | | Cullman | | AL | | 35058-0686 |
| 873 | | 841 Odum Road, Suite 105 | | Gardendale | | AL | | 35071-4112 |
| 875 | | 1811 Highway 78 East, Suite 110 | | Jasper | | AL | | 35501-4081 |
| 876 | | 2206 Village Drive | | Moody | | AL | | 35004-3241 |
| 881 | | 583 Brindlee Mountain Pkwy | | Arab | | AL | | 35016-1054 |
| 882 | | 920 Highway 72 E | | Athens | | AL | | 35611-4318 |
| 883 | | 981 U.S. Highway 431 South | | Boaz | | AL | | 35957-1749 |
| 886 | | 2415 Rosedale St, Suite C | | Muscle Shoals | | AL | | 35661-6427 |
| 887 | | 2308 Gault Avenue North | | Fort Payne | | AL | | 35967-3644 |
| 888 | | 587 Highway 31 NW, Suite A, | | Hartselle | | AL | | 35640-4470 |
| 889 | | 700 Airport Road, Suite E | | Huntsville | | AL | | 35802-4360 |
| 891 | | 80 McFarland Blvd., Suite 2 | | Northport | | AL | | 35476-3332 |
| 893 | | 305 East Battle Street, Suite A | | Talladega | | AL | | 35160-2421 |
| 894 | | 2401 Stemley Bridge Rd, Ste 13 | | Pell City | | AL | | 35128-2393 |
| 901 | | 9200 S. Pennsylvania Ave | | Oklahoma City | | OK | | 73159-6902 |
| 902 | | 2108 A W. Lindsey Street | | Norman | | OK | | 73069-4108 |
| 903 | | 6221 N. Meridian Avenue | | Oklahoma City | | OK | | 73112-1249 |
| 904 | | 1300 West Vandament Avenue, Suite 2301 | | Yukon | | OK | | 73099-4575 |
| 905 | | 1510 N. Kickapoo Avenue, Suite 1 | | Shawnee | | OK | | 74804-4331 |
| 906 | | 7505 SE 15th Street | | Midwest City | | OK | | 73110-5425 |
| 907 | | 1915 W. Gore Boulevard, Suite 3 | | Lawton | | OK | | 73501-3661 |
| 908 | | 1208 North York Street, Suite B | | Muskogee | | OK | | 74403-2562 |
| 909 | | 3202 S. Memorial Drive, Suite 7A | | Tulsa | | OK | | 74145-1322 |
| 910 | | 1231 SE Frank Phillips Blvd | | Bartlesville | | OK | | 74003-4321 |
| 911 | | 806 S. Aspen Avenue, Suite B | | Broken Arrow | | OK | | 74012-4884 |
| 912 | | 305 W. Taft Road | | Sapulpa | | OK | | 74066-5436 |
| 913 | | 1942 S. Highway 66 | | Claremore | | OK | | 74019-4371 |
| 914 | | 1500 Hoppe Boulevard, Suite 6 | | Ada | | OK | | 74820-2309 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 915 | | 120 N 5th Street | | Chickasha | | OK | | 73018-2406 |
| 916 | | 302 W. Edmond Road | | Edmond | | OK | | 73003-5600 |
| 917 | | 1212 Merrick Drive, Suite 5 | | Ardmore | | OK | | 73401-1824 |
| 918 | | 2329 W. Willow Road | | Enid | | OK | | 73703-2433 |
| 919 | | 639 NW 7th Street | | Moore | | OK | | 73160-3803 |
| 920 | | 701 N Main Street | | Stillwater | | OK | | 74075-5410 |
| 921 | | 200 E. Choctaw Avenue | | McAlester | | OK | | 74501-5026 |
| 922 | | 111 S. Main Street | | Miami | | OK | | 74354-7024 |
| 923 | | 3040 S. Muskogee Avenue, Suite 101 | | Tahlequah | | OK | | 74464-5485 |
| 924 | | 2135 NW 23rd St | | Oklahoma City | | OK | | 73107-2401 |
| 925 | | 512 Plaza Court | | Sand Springs | | OK | | 74063-7915 |
| 926 | | 2501 N 14th Street | | Ponca City | | OK | | 74601-1734 |
| 927 | | 1519 N Highway 81 | | Duncan | | OK | | 73533-1407 |
| 928 | | 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 Rd. 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 St | | 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 |
| 1017 | | 1900 E Historic Hwy 66, Suite E | | Gallup | | NM | | 87301-4883 |
| 1018 | | 2514 7th St Ste 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 St, 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 |
| | | | | | | | |
Branch # | | Street Address | | City | | State | | Zip |
| 1203 | | 3920 Wards Rd, Suite E | | Lynchburg | | VA | | 24502-3569 |
| 1204 | | 4511 John Tyler Hwy, 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 Ave | | 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 Rd 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 Rd | | 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 |
SCHEDULE 7.19
BANK ACCOUNTS
| | | | | | | | | | | | |
Bank Name | | Account
Number | | City | | State | | Purpose | | Company Name | | Sweep
Account |
| Arvest Bank | | XXXXXXXX | | Bartlesville | | OK | | Depository | | Regional Finance Company of Oklahoma, LLC | | |
| BancFirst | | XXXXXXXX | | Ardmore | | OK | | Depository | | Regional Finance Company of Oklahoma, LLC | | |
| Bank Independent | | XXXXXXXX | | Athens | | AL | | Depository | | Regional Finance Corporation of Alabama | | |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Master Funding | | Regional Management Corp. | | |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Master Depository | | Regional Management Corp. | | |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Accounts Payable | | Regional Finance Company of New Mexico, LLC | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Payroll | | Regional Management Corp. | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | OK Checking | | Regional Management Corp. | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Corporation of South Carolina | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Corporation of Texas | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Corporation of Texas | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Company of Oklahoma, LLC | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Company of New Mexico, LLC | | Sweep |
| Bank of America | | XXXXXXXX | | Charlotte | | NC | | Depository | | Regional Finance Corporation of North Carolina | | Sweep |
| Bank of America | | XXXXXXXX | | Minneapolis | | MN | | Depository | | Regional Management Receivables, LLC | | |
| BB & T | | XXXXXXXX | | Winston Salem | | NC | | Depository | | Regional Finance Corporation of Tennessee | | |
| BB & T | | XXXXXXXX | | Winston Salem | | NC | | Depository | | Regional Finance Corporation of North Carolina | | |
| BB & T | | XXXXXXXX | | Winston Salem | | NC | | Depository | | Regional Management Corp. | | |
| First Bank (NC) | | XXXXXXXX | | Rockingham | | NC | | Depository | | Regional Finance Corporation of North Carolina | | |
| First Bank (TN) | | XXXXXXXX | | Dickson | | TN | | Depository | | Regional Finance Corporation of Tennessee | | |
| First Bank AL | | XXXXXXXX | | Talladega | | AL | | Depository | | Regional Finance Corporation of Alabama | | |
| First Citizens | | XXXXXXXX | | Columbia | | SC | | Depository | | Regional Finance Corporation of South Carolina | | |
| First National Bank of TX | | XXXXXXXX | | Killeen | | TX | | Depository | | Regional Finance Corporation of Texas | | |
| First State Bank (AL) | | XXXXXXXX | | Fort Payne | | AL | | Depository | | Regional Finance Corporation of Alabama | | |
| First Tennessee | | XXXXXXXX | | Memphis | | TN | | Depository | | Regional Finance Corporation of Tennessee | | |
| FNB Community Bank | | XXXXXXXX | | Midwest City | | OK | | Depository | | Regional Finance Company of Oklahoma, LLC | | |
| International Bank and Commerce | | XXXXXXXX | | Zapata | | TX | | Depository | | Regional Finance Corporation of Texas | | |
| | | | | | | | | | | | |
Bank Name | | Account
Number | | City | | State | | Purpose | | Company Name | | Sweep
Account |
| Liberty Federal Savings Bank | | XXXXXXXX | | Enid | | OK | | Depository | | Regional Finance Company of Oklahoma, LLC | | |
| Merchants | | XXXXXXXX | | Jackson | | AL | | Depository | | Regional Finance Corporation of Alabama | | |
| Prosperity | | XXXXXXXX | | Abilene | | TX | | Depository | | Regional Finance Corporation of Texas | | |
| RCB | | XXXXXXXX | | Ponca City | | OK | | Depository | | Regional Finance Company of Oklahoma, LLC | | |
| Southside | | XXXXXXXX | | Tyler | | TX | | Depository | | Regional Finance Corporation of Texas | | |
| Synovus | | XXXXXXXX | | Columbus | | GA | | Depository | | Regional Finance Company of Georgia, LLC | | |
| Synovus | | XXXXXXXX | | Columbus | | GA | | Depository | | Regional Finance Corporation of South Carolina | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Master Funding | | Regional Management Corp. | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Insurance Refunds | | Regional Management Corp. | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Corporate A/P | | Regional Management Corp. | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Tax Payments/Other ACH Debits | | Regional Management Corp. | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Depository | | Regional Management Receivables, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Depository | | Regional Management Receivables II, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | CRA Depository | | Credit Recovery Associates, Inc. | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | RMC (Insurance ACH Credits) | | Regional Management Corp. | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | RMC Reinsurance Depository | | RMC Reinsurance, Ltd. | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | CRA Licensing | | Credit Recovery Associates, Inc. | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Georgia Licensing | | Regional Finance Company of Georgia, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | Missouri Licensing | | Regional Finance Company of Missouri, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | VA Licensing | | Regional Finance Company of Virginia, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | AL Checking | | Regional Finance Corporation of Alabama | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | GA Checking | | Regional Finance Company of Georgia, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NC Checking | | Regional Finance Corporation of North Carolina | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NC Checking | | Regional Finance Corporation of North Carolina | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | AL Checking | | Regional Finance Corporation of Alabama | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NM Checking | | Regional Finance Company of New Mexico, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | SC Checking | | Regional Finance Corporation of South Carolina | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TN Checking | | Regional Finance Corporation of Tennessee | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TX Checking | | Regional Finance Corporation of Texas | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | VA Checking | | Regional Finance Company of Virginia, LLC | | Sweep |
| | | | | | | | | | | | |
Bank Name | | Account
Number | | City | | State | | Purpose | | Company Name | | Sweep
Account |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | AL Depository | | Regional Finance Corporation of Alabama | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | GA Depository | | Regional Finance Company of Georgia, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NM Depository | | Regional Finance Company of New Mexico, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NC Depository | | Regional Finance Corporation of North Carolina | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TN Depository | | Regional Finance Corporation of Tennessee | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | SC Depository | | Regional Finance Corporation of South Carolina | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TX Depository | | Regional Finance Corporation of Texas | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | VA Depository | | Regional Finance Company of Virginia, LLC | | |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | AL Loan Solicitation | | Regional Finance Corporation of Alabama | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | GA Loan Solicitation | | Regional Finance Company of Georgia, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NM Loan Solicitation | | Regional Finance Company of New Mexico, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | NC Loan Solicitation | | Regional Finance Corporation of North Carolina | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | OK Loan Solicitation | | Regional Finance Company of Oklahoma, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | SC Loan Solicitation | | Regional Finance Corporation of South Carolina | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TN Loan Solicitation | | Regional Finance Corporation of Tennessee | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | TX Loan Solicitation | | Regional Finance Corporation of Texas | | Sweep |
| Wells Fargo | | XXXXXXXX | | Greenville | | SC | | VA Checking | | Regional Finance Company of Virginia, LLC | | Sweep |
| Wells Fargo | | XXXXXXXX | | Minneapolis | | MN | | Collection | | Regional Management Receivables II, LLC | | |
| Wells Fargo | | XXXXXXXX | | Minneapolis | | MN | | Reserve | | Regional Management Receivables II, LLC | | |
| Wells Fargo | | XXXXXXXX | | Minneapolis | | MN | | Reserve | | RMC Reinsurance Ltd. | | |
| Wells Fargo | | XXXXXXXX | | Minneapolis | | MN | | Collection | | Regional Management Receivables, LLC | | |
| Wells Fargo | | XXXXXXXX | | Minneapolis | | MN | | Reserve | | Regional Management Receivables, LLC | | |
SCHEDULE 8.3
GUARANTIES
None.
SCHEDULE 8.6
DEBT
None.
