Old Market Capital Investor Relations Material

Nicholas Financial, Inc. is a consumer finance company specializing in purchasing and servicing automobile finance installment contracts. The company works primarily with franchised and independent auto dealers to finance the purchase of new and used vehicles. In addition to this, Nicholas Financial also originates direct consumer loans and offers related financial products aimed at consumers within the subprime lending market. The company's operations are focused on providing loans that help individuals finance their primary transportation, particularly catering to customers who may have difficulty obtaining credit through traditional channels. Nicholas Financial is headquartered in Clearwater, Florida, and its shares are listed on the NASDAQ.