Investor Presentation

January 2013

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This presentation and the responses to various questions contain forward-looking statements, which reflect our current
views with respect to, among other things, the Companys operations and financial performance. You can identify these
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Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those
indicated in these statements. These factors include but are not limited to those described under Risk Factors and
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Company Overview
Specialty consumer finance provider focused on installment lending
Branch-based lender with 223 storefronts in 8 states as of January 3, 2013
Loans ranging from $300 to $30,000 with maturities 6 to 72 months, no real estate
As of September 30, 2012:
- Gross receivables book of $483.8 million
- Serve over 219,000 individual borrowers
- Average outstanding loan balance of ~$2,200 per account

Partner with 600+ retailers to offer point-of-sale financing on showroom floor

Serve 2,100+ independent auto dealers and 800+ franchised auto dealers to finance
purchases by their showroom customers

Regional is a Unique Investment Opportunity in the Alternative

Financial Services Sector
Who We Are

Organic growth story - driven by de novo store

openings and repeat business from satisfied customers
Secured lender - with proven credit performance
through multiple economic cycles
Responsible lender - utilizing credit checks on all
new borrowers combined with in-person underwriting
Diverse product offering - serving a broad range of
customer needs

Who We Arent

Rollup strategy - lacking consistent focus / culture

High volume small balance lender - more focused
on quantity than quality
Formula-based lender - relying on high rates to
compensate for limited underwriting criteria
Monoline lender - one size fits all mentality that
doesnt meet customers individual needs
Overlevered - with expensive high yield debt

Traditional funding structure - asset-based credit

facility from a syndicate of traditional commercial banks

Fully saturated - from overexpansion with limited

opportunity for continued domestic growth

Significant runway for domestic growth - recently

entered our 8th state with attractive demographics and
regulatory environment in a number of additional states
Your Hometown Credit Source
Flexible, affordable loans for everyday Americans

Undifferentiated, high-rate monoline lender

Attractive Market Opportunity

Large Addressable Population in U.S.; Over Half of
Adult Americans Earn Less than $75,000

Individuals (millions)

180

~ 160.0 (2)

80
60
43.0 (1)

40
20
0
Underbanked

<$75k Income

Sources: FDIC National Survey of Unbanked and Underbanked Households.

Data as of January 2009; 2010 US Census Population Survey.
(1) Represents adults living in underbanked households.
(2) Represents adults with income earning less than $75,000.

Diverse Product Offering Differentiates Regional from Monoline Lenders

Small
Installment
Loans

Large
Installment
Loans

Automobile
Purchase Loans

Furniture and
Appliance Loans

Maximum Size

$2,500

$20,000

$30,000

$7,500

Avg. Size at
Origination

$1,179

$3,810

$11,584

$1,519

Avg. Term at
Origination

17 Months

33 Months

55 Months

26 Months

Finance
Receivables

$158.5 Million

$56.9 Million

$155.3 Million

$26.2 Million

Note: Data as of September 30, 2012.

Diverse Product Offering Fulfills Broad Range of Customer Needs

Broader product offerings and lower rates benefit the consumer
Diverse product offerings also provide a competitive advantage versus monoline lenders
Customer Need

Regional Solution

Short-term cash needs

Bill payment
Back-to-school expenses

Small Installment Loans

Auto repair
Home furnishings
Appliances
Televisions and electronics

Furniture and Appliance

Purchase Loans

Education expenses
Home improvement

Large Installment Loans

Medical expenses
New and used car purchases

Automobile Purchase Loans

Attractive Products for Consumers

Regional Management

Alternative Financial Service

Providers
(e.g. Payday Loans and Title Loans)

Loan Size
Flexible loan sizes from $300 - $30,000

Typically small loan sizes

Maturities of up to 72 months

Generally short term with limited flexibility

Fully amortizing, equal monthly payments

Predominantly single payment products

Allows customers to affordably make

payments out of discretionary income

Typically triple digit APR

No prepayment penalty

Fixed fee generally not refundable in

the event of early repayment

Monthly reporting provides opportunity to

establish and potentially repair credit history

Often short duration products not

conducive to credit reporting

Flexible Maturity

Amortizing
Payments

Attractive Rates

Prepayment

Credit Reporting

Branch Network Overview and Growth Profile

Branch Overview

From 2007 to 2011, annual same-store revenue

growth averaged 14.7%

219,000+ customer accounts as of 9/30/12

Same-store revenue growth in Q3 2012 was 18.3%

58.2% of branches less than 5 years old represent

- All loans serviced and collected through branches

Branch personnel establish and develop customer

significant embedded growth in the existing store base

relationships throughout life of loan

- First Oklahoma branch opened in December 2011, first New Mexico

branch opened May 2012, first Georgia branch opened January 2013

Loan proceeds distributed as checks

- Allows open, welcoming retail environment facilitating development
of personal customer relationships

Opportunity for over 800+ additional branches

Geographic Footprint as of January 3, 2013

Date of
Entry:
SC: 1987
TX: 2001
NC: 2004
TN: 2007

223
Branch
Locations

AL: 2009
OK: 2011
26

20

69
42

NM: 2012
GA: 2013

57
Current States of Operation
Attractive States for Expansion

Embedded Upside in Existing Branches Driven by Strong Branch Economics

Growth Potential

New branch model proven over time

Mitigates execution risk one store closure in 25 years
Minimal opening costs (approx. $62k for FF&E and software licenses)

Branch receivables generally ramp to approximately $1.o million during the second year of operation
New branches typically achieve positive operating income in under 12 months
Expected Growth as Branches Mature
($ in 000s)

$2,500

$2,322
$1,924

$2,000

$516

$1,500
$1,000
$500

$1,045

$944

Branches

$400

$319
$200

$162

$8

$0

Branch Maturity

$600

$0
<1 year

1-3 years

36

23

3-5 years
23

Avg. Branch Contribution

to Operating Income (1)

Receivables per Branch

($ in 000s)

>5 years
88

Note: As of December 31, 2011.

(1) Calculated as total revenues generated by the branch less the expenses directly attributable to the branch,
including provision for losses and operating expenses such as personnel, lease and interest expenses.
General corporate overhead is excluded from the calculation.

10

Multi-Channel Origination Platform Provides Broad Reach

Branches are foundation of Regionals multi-channel strategy
Primary point of customer contact
Dealership and retailers serve as virtual branches
All loans serviced and collected through company branches
Frequent, in-person contact with customers contributes to credit performance and customer loyalty

Branch
Originated
Loans
(223 branches as
of 1/3/13)

Franchise
Dealerships
(Relationships
with approx. 800
dealerships)

Furniture and
Appliance
Retailers
(Relationships
with approx.
600+ retailers)

Independent
Dealerships
(Relationships
with over 2,100+
dealerships)

Direct Mail
(Over 1.8 million
live checks
mailed in 2012)

Regional Branch Network Supports All Origination Channels

11

Expansion Furniture and Appliance Purchase Loans RMC Retail

Provide loans of up to $7,500; term length between 6 and 48 months offered at 600+
furniture and appliance retail locations
Total receivables of $26.2 million as of 9/30/12, up 257% from third quarter
2011
Loans are centrally underwritten; center staffed 7 days a week to match
retail hours
Financing at competitive rates to customers turned down by other financing sources
Additional way to introduce customer to Regional provides opportunity
for cross-selling auto or installment loans
15-20% cross-sell attachment rate

12

Favorable Regulatory Environment

Product
Differentiation

State
Regulation

Federal
Regulation

Regionals loans distinguishable from many alternative financial services products under
regulatory scrutiny
Fully amortizing loans with fixed rates and no prepayment penalties
Reports performance to credit bureaus, creating potential for customers to enhance
credit profile
Many regulators and legislators have been focused on less attractive credit options (payday
loans, title loans)

Strong relationships with state regulators proactively working with regulators on any issues
that arise

Installment lending regulated at state level for over 50 years; each branch individually licensed
by respective state of operation

State auditors typically visit a branch at least once per year for compliance audit

No material adverse legislation currently pending at state level

Non-banks that offer consumer finance products subject to new federal regulation and oversight
from the Consumer Financial Protection Bureau (CFPB)
No authority to impose rate caps
CFPB seeks to promote the development of consumer financial products and services that are
fair, transparent and competitive
All of these characteristics are key strengths of Regionals products

13

Strong Performance Relative to Other Asset Classes

90+ Day Delinquency as a Percent of Receivable Balance
16.0%

14.0%

12.0%
11.0% Student Loan
10.5% Credit Card

10.0%

8.0%

6.0%

5.9% Mortgage
4.9% HELOC

4.0%

4.3% Auto

2.0%

2.1% Regional

0.0%
2006

2007

2008

2009

2010

2011

2012

Source: Federal Reserve Quarterly Household Debt and Credit Report

(November 2012), based on data from Equifax.

14

Attractive Financial Performance and Resilient Growth

Strong historical growth while maintaining low and consistent net
charge-offs, particularly during the latest recession

Total Receivables and Net ChargeOffs as % of Average Receivables

Total Revenue

$350

20.0%
$306.6

$300

$120
$86.8

$80
$60

$66.7

$72.8

$56.6

$40
$20

$250
$200
$150

16.0%

$247.2
$214.9
$192.3
$167.5
7.8%

8.4%

12.0%
8.6%

7.9%
6.3%

$100
4.0%

$50

$0
2007

2008

2009

2010

2011

8.0%

$0

0.0%
2007

2008

Receivables

2009

2010

2011

Net Charge-Offs

15

Net Charge-Offs

$100

Total Receivables

$105.2

Attractive Financial Performance and Resilient Growth

61.7% Annual CAGR of Net Income from 2007-2011, excluding pro forma
adjustments
Net Income
($ in millions)
$28

$25.1 (1)

$24
$21.2

$20
$16.4

$16
$12

$9.9

$8
$4

$6.5
$3.1

$0
2007

2008
Actual

2009

2010

2011

Pro Forma

Note: CAGR calculated on historical numbers, excluding pro forma adjustments.

(1) Pro Forma adjustments include tax-effected: interest savings from pay down of revolving credit facility, interest
savings from payoff of mezzanine debt and the add-back of advisory fees which terminated following the IPO.

16

Income Statement Highlights 3Q12

(in 000s)

3 Months Ended
Sept 30, 2012

3 Months Ended
Sept 30, 2011

Int. and fee income

$31,089

$23,406

Total revenue

$35,490

$26,721

$7,384

$4,569

G&A expenses

$14,304

$10,268

Income before tax

$11,907

$8,378

Net income

$6,988

$5,185

Diluted EPS

$0.55

$0.54

Efficiency ratio

40.3%

38.4%

6.5%

6.0%

Prov. for loan losses

Net charge-offs as %
of avg. financial
receivables

17

Future Channel Growth

Branch Growth:
51 branches opened in 2012 significant embedded growth as new branches ramp to maturity
19 net branches acquired in January 2012; 32 de novo branches in 2012
Opportunity for over 800+ additional branches 450 of which are in states Regional currently
conducts business
Auto Dealership Network:
Currently work with 2,100+ direct dealerships and 800 indirect franchise dealerships
Opportunity exists for 11,500 additional dealerships within Regionals market quadrupling
network
Furniture and Appliance Retail Network:
Network of 600+ retailers has more than doubled in last year; 257% growth in receivables since
September 30, 2011
3,400+ potential partners in existing geographic footprint
Direct Mail:
Over 1.8 million live checks in 2012
Highly scalable origination channel driving significant volume to branches

18

Investment Highlights

Attractive
Market
Opportunity
Numerous
Avenues for
Potential Growth

Integrated
Branch Model

Attractive
Financial
Performance

Diverse Product
Offering

Your Hometown Credit Source

Consistent
Portfolio Quality
and Credit
Performance

Multi-Channel
Origination
Platform
Sound
Underwriting
Methodology

19

Presentation to Investors