Overview

MISSION: At Nicholas Financial, our mission is to provide primary transportation to and from work for the subprime borrower through the local independent auto dealerships. We are a publicly traded industry leader providing affordable credit solutions to the subprime customer. VISION: To be the nationwide industry leader in providing affordable credit solutions to the subprime credit customer. We strive to be the local lending partner to both our dealers and borrowing customers. VALUES: Valuing People – We value and recognize all people as individuals and develop strong relationships built on trust. Honesty & Integrity – We uphold the highest standards of integrity and stand behind what we say and do. We know that trust must be earned continually. We are committed to transparency in all aspects of our business. Customer Service - We treat our borrowing customers and dealer partners with dignity in order to develop “customers for life”. We provide extraordinary customer service with a sense of urgency to find real life solutions to each unique situation. Entrepreneurial Spirit – We encourage creativity and risk-taking, empower decision making, promote continuous learning and give back to our local communities. Accountability – We take action, proactively hold ourselves and each other accountable, and are committed to quality and excellence in everything we do. Teamwork – We recognize the collective power of our time, talent and resources and align our decisions with overall company goals. The company’s stock has been publicly traded since 1987. It is listed on the NASDAQ National Market System under the symbol, NICK. Nicholas Financial, Inc. acquires and services installment sales contracts for purchases of new and used automobiles and light trucks. The Company also makes direct consumer loans and sells consumer-finance related products. Nicholas also designs, develops, markets, and supports industry specific computer application software for small businesses in the Southeast United States. MISSION: At Nicholas Financial, our mission is to provide primary transportation to and from work for the subprime borrower through the local independent auto dealerships. We are a publicly traded industry leader providing affordable credit solutions to the subprime customer. VISION: To be the nationwide industry leader in providing affordable credit solutions to the subprime credit customer. We strive to be the local lending partner to both our dealers and borrowing customers. VALUES: Valuing People – We value and recognize all people as individuals and develop strong relationships built on trust. Honesty & Integrity – We uphold the highest standards of integrity and stand behind what we say and do. We know that trust must be earned continually. We are committed to transparency in all aspects of our business. Customer Service - We treat our borrowing customers and dealer partners with dignity in order to develop “customers for life”. We provide extraordinary customer service with a sense of urgency to find real life solutions to each unique situation. Entrepreneurial Spirit – We encourage creativity and risk-taking, empower decision making, promote continuous learning and give back to our local communities. Accountability – We take action, proactively hold ourselves and each other accountable, and are committed to quality and excellence in everything we do. Teamwork – We recognize the collective power of our time, talent and resources and align our decisions with overall company goals. The company’s stock has been publicly traded since 1987. It is listed on the NASDAQ National Market System under the symbol, NICK. Nicholas Financial, Inc. acquires and services installment sales contracts for purchases of new and used automobiles and light trucks. The Company also makes direct consumer loans and sells consumer-finance related products. Nicholas also designs, develops, markets, and supports industry specific computer application software for small businesses in the Southeast United States. Nicholas Financial, Inc., - Leader in Auto / Consumer Financing & Foremost Developer of Pest Control SoftwareNicholas Financial, Inc., - Leader in Auto / Consumer Financing & Foremost Developer of Pest Control Software This company offers Auto Financing, Consumer Loans. Nickel-less? No problem. Nicholas Financial can still get you behind the wheel of a car. The company buys subprime new and used car loans from some 1,500 car dealers in the Southeast and Midwest. It conducts its automobile finance business through approximately 50 offices in about a dozen states. In addition to its indirect lending activities, Nicholas Financial also offers and finances extended warranties, roadside assistance plans, and credit life, accident, and health insurance to its borrowers. The company also makes some direct consumer loans, primarily to customers whose car loans it has bought and serviced. Nickel-less? No problem. Nicholas Financial can still get you behind the wheel of a car. The company buys new and used car loans from some 2,300 car dealers in the Southeast and Midwest US, and conducts its automobile finance business through more than 65 offices in more than 15 states. In addition to its indirect lending activities, Nicholas Financial offers and finances extended warranties, roadside assistance plans, and credit life, accident, and health insurance to its borrowers. Nicholas also makes some direct consumer loans, primarily to customers whose car loans it has bought and serviced. Try D&B Hoovers Free Nickel-less? No problem. Nicholas Financial can still get you behind the wheel of a car. The company buys new and used car loans from some 2,300 car dealers in the Southeast and Midwest US, and conducts its automobile finance business through more than 65 offices in more than 15 states. In addition to its indirect lending activities, Nicholas Financial offers and finances extended warranties, roadside assistance plans, and credit life, accident, and health insurance to its borrowers. Nicholas also makes some direct consumer loans, primarily to customers whose car loans it has bought and serviced.

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