Consumer Portfolio Services (CPSS) Proxy Filing summary

Executive summary

• Annual meeting scheduled for November 19, 2025, to vote on director elections, auditor ratification, executive compensation, a new equity incentive plan, and the frequency of future say-on-pay votes.

• Board recommends voting for all director nominees, ratification of Crowe LLP as auditor, approval of executive compensation, approval of the 2025 Equity Incentive Plan, and annual say-on-pay votes.

• Shareholders of record as of October 23, 2025, are eligible to vote; cumulative voting is allowed for director elections.

Voting matters and shareholder proposals

• Proposals include election of nine directors, ratification of Crowe LLP as independent auditor, advisory vote on executive compensation, approval of the 2025 Equity Incentive Plan, and advisory vote on frequency of future say-on-pay votes.

• Board recommends annual frequency for future advisory votes on executive compensation.

• Shareholders may submit proposals for the 2026 meeting by June 30, 2026, and director nominations by September 20, 2026.

Board of directors and corporate governance

• Board consists of nine members, with only the CEO not considered independent.

• All committees (Audit, Compensation, Nominating) are composed solely of independent directors.

• Board held four meetings in 2024; all directors except one attended at least 75% of meetings.

• Shareholders can communicate with the Board via written correspondence.