Douglas Clark has served as our Chief Executive Officer and on our Board of Directors since November 2022. Mr. Clark joined us following our acquisition of Heights Finance in December 2021 and served as our President of North America Direct Lending from June 2022 until his appointment as Chief Executive Officer. Mr. Clark joined Heights Finance in July 2020 to lead the successful integration of Heights Finance and Southern Management Corporation. As the CEO of Heights Finance, Mr. Clark built a strong leadership team, orchestrated a new growth strategy and led the execution of that growth strategy culminating in the sale to CURO. Prior to joining Heights Finance, Mr. Clark was President for five years at Axcess Financial, a direct retail and online competitor to CURO’s previous US lending business. Prior to that role, Mr. Clark served as Chief Operating Officer for 11 years with responsibility for the retail and central operations in the U.S. and U.K. markets, information technology, marketing and credit risk analytics. Prior to his time at Axcess Financial, Mr. Clark worked with Chiquita Brands International, a multinational producer and distributor of fresh fruits, in a variety of financial and operational roles. Mr. Clark earned his bachelor’s degree in Finance from Xavier University.

Chad Faulkner co-founded the Company, has served on our Board of Directors since 1997 and became Chairman in February 2023. Mr. Faulkner served as our President and Chief Operating Officer from 1997 to 2013. As one of our founders, he has led the Company in its entire geographic and product expansion. Mr. Faulkner has served as Chief Executive Officer of Sports Academy since 2015, and he serves as a director of several other private companies. Mr. Faulkner holds a Bachelor of Science degree from Kansas State University and is a graduate of the Executive Program at the Anderson School of Business – University of California Los Angeles.

Andrew Frawley has served on our Board of Directors since 2017. Mr. Frawley currently serves as Chief Executive Officer of Terminus, an account-based marketing platform. Mr. Frawley is also Chairman of the board of directors of Alterian, a campaign management and real-time marketing software company, and member of the board of directors of Marketing Evolution, a provider of advanced marketing analytics and cloud-based software. Mr. Frawley previously served as Marketing Evolution’s Chief Executive Officer from September 2021 to October 2022. Prior to that time, Mr. Frawley was the Chief Executive Officer and Vice Chairman of V12 Data, a provider of marketing data and technology solutions from 2018 to September 2021. Mr. Frawley also serves as Chief Executive Officer of AJ Frawley & Associates LLC. From December 2014 to September 2016, Mr. Frawley served as Chief Executive Officer of Epsilon, a segment of Alliance Data Systems Corporation. Prior to that, he served as Epsilon’s President from January 2012 to December 2014 and as its President of Marketing Technology from January 2009 to December 2011. Mr. Frawley earned a Master of Business Administration from Babson College and a Bachelor of Science in Finance from The University of Maine.

Robert Hurzeler was appointed to our Board of Directors in September 2023. Mr. Hurzeler has served as the Chief Executive Officer of Flagship Credit Acceptance, an auto lender, since 2019. Prior to joining Flagship, Mr. Hurzeler served as Chief Operating Officer of OneMain Financial, a non-prime lender, from 2014 to 2019. Previously in his career, Mr. Hurzeler was Chief Operating Officer of Global Lending Services, an auto lender, from 2012 to 2014, and served in various roles of increasing responsibility at Wells Fargo & Company (NYSE: WFC) from 1986 to 2012, most recently serving as President of Auto Finance from 2008 to 2012. Mr. Hurzeler holds a B.A. in Business from Concordia University-Wisconsin.

David M. Kirchheimer has served on our Board of Directors since 2018 and as Lead Independent Director since February 2023. Mr. Kirchheimer is an advisory partner at Oaktree Capital Management, L.P., a global investment manager specializing in alternative investments (“Oaktree”), where he previously served as Chief Financial Officer from its founding in 1995 until his retirement in March 2017. Mr. Kirchheimer also served as Oaktree’s Chief Administrative Officer and head of accounting during most of his tenure. Mr. Kirchheimer served on the board of directors of Oaktree’s holding-company affiliate from its formation in 2007 until his retirement, during which time the affiliate became a public company in 2012. Prior to Oaktree, Mr. Kirchheimer held senior financial management positions with Ticketmaster Corporation, Republic Pictures Corporation and The Zond Group. Mr. Kirchheimer started his career as an auditor at Price Waterhouse (now PricewaterhouseCoopers). Mr. Kirchheimer serves on the boards of directors of Nuveen Churchill Direct Lending Corp. and NC SLF, Inc., both private business development companies. Mr. Kirchheimer holds an MBA from the University of Chicago’s Booth School of Business and a BA from Colorado College.

Chris Masto has served on our Board of Directors since 2008. Mr. Masto previously served as our Chairman of the Board from January 2022 to February 2023 and as our Lead Independent Director from 2020 to January 2022. Mr. Masto is Co-Founder and Senior Advisor at FFL Partners, a private equity firm, which he co-founded in 1997 and where, until 2017, he served as a Partner, member of the Investment Committee, and member of firm leadership. He transitioned to a Senior Advisor role in 2017. Prior to co-founding FFL Partners, he worked as a management consultant with Bain & Company and an investment banker at Morgan Stanley & Co. Mr. Masto also currently serves on the board of directors of Katapult Holdings, Inc. (NASDAQ: KPLT) and, is Co-Chair of Resident Home Inc. and is an Advisory Board Member of Valo Ventures. He was previously a director of Tempur Sealy International (NYSE: TPX) and Chairman of TriTech Software Systems. Mr. Masto graduated magna cum laude from Brown University with an Sc.B. in Electrical Engineering, and received an Master of Business Administration from Harvard Business School.

Gillian Van Schaick has served as our Board of Directors since 2019. Ms. Van Schaick, a risk management executive and chief compliance officer with more than 30 years of experience in the financial services industry, most recently served as Executive Vice President and Head of US Regulatory Compliance at HBSC. Prior to her tenure at HBSC, a multinational banking and financial services holding company, Ms. Van Schaick served in a variety of leadership positions at JPMorgan Chase for 25 years, including SVP and Chief Compliance Officer for its Retail Financial Services, Treasury and Security Services and Commercial Banking divisions. Earlier in her career, Ms. Van Schaick spent several years as Vice President at Goldman Sachs & Co. in its Operations, Technology and Finance Division. Ms. Van Schaick is involved in her community, serving as vice-chair of the board of trustees of the Loyola School, an independent high school in New York City. Ms. Van Schaick holds an MBA in Finance from Columbia University and a BS in Mathematics and French from Georgetown University. Ms. Van Schaick is also a graduate of the ABA Compliance School and ABA Graduate Compliance School.

Issac Vaughn was appointed to our Board of Directors in January 2022. Mr. Vaughn most recently served as the Chief Operating Officer of Zenefits, a cloud-based HR, benefits and payroll platform for small and mid-sized businesses, from 2020 to February 2022. Mr. Vaughn joined Zenefits in 2018, serving as SVP, Business Operations. Prior to joining Zenefits, Mr. Vaughn was SVP, Corporate Development and General Counsel at Ooyala, a video content workflow management system company, from 2012 to 2016 and served as Interim Chief Executive Officer from 2016 until 2017. Mr. Vaughn was a founder of Bennu Ventures Management, LLC, a stage agnostic venture capital firm, and served as partner from 2011 to 2016. From 2007 to 2012, Mr. Vaughn was a managing director at SC Investments Consulting, LLC, a boutique angel investment and consulting company. Mr. Vaughn started his career as a corporate attorney, ultimately joining Wilson Sonsini Goodrich & Rosati, where he became a partner. Mr. Vaughn is a director of Rocket Lawyer. Mr. Vaughn received his J.D. from the University of Michigan and holds a B.S. in Economics from Santa Clara University.