Ann B. Gugino was appointed as a director in June 2023. Ms. Gugino served as Chief Financial Officer of Papa John’s International, Inc., which operates and franchises pizza delivery and carryout restaurants and, in certain international markets, dine-in and delivery restaurants, from October 2020 through March 2023. Ms. Gugino joined Papa John’s from Target Corporation where she served as Senior Vice President, Financial Planning and Analysis, from 2018 through October 2020, providing overall strategy, guidance, and direction in the development and execution of Target’s planning, analysis and capital investment portfolios. Prior to Target, Ms. Gugino spent 18 years at Patterson Companies Inc., including four years as Executive Vice President and Chief Financial Officer. Ms. Gugino has a Master’s Degree in Business Administration from Northwestern University – Kellogg School of Management and a Bachelor of Arts in Accounting from the University of Wisconsin and was a certified public accountant.

James H. Haworth was appointed as a director in March 2016 and was appointed to the Company’s Compensation Committee and Nominating and Corporate Governance Committee concurrent with his joining the Board. In August 2016, Mr. Haworth joined Outdoor Cap as President and Chief Executive Officer.  Prior to Outdoor Cap, Mr. Haworth served as Chairman and Chief Executive Officer of Professional Bull Riders Inc. from 2011 to 2016.  Prior to 2011, Mr. Haworth served in numerous management positions at Sears Holding Corporation, Chia Tai Enterprises International Limited & CP Lotus and Wal-Mart Stores, Inc. and founded and served as President of Business Decisions Inc. Mr. Haworth received a Bachelor of Science in Business Administration from Central Missouri State University.

Bob L. Martin has served as a director since September 2003 and was appointed as our Lead Independent Director in August 2012. Mr. Bob Martin was elected as an Operating Partner of The Stephens Group LLC, a family-owned investment company in March 2012, and currently holds such position. Mr. Bob Martin has also served as the Chief Executive Officer (part-time) of Mcon Management Services, Ltd. since 2002. Mr. Bob Martin has over 35 years of retailing and merchandising experience including at Wal-Mart International, Inc. and Dillard’s, Inc. Mr. Bob Martin has also served as a director of Dillard’s, Inc., Sabre Holdings Corporation, Furniture Brands International and Guitar Center, Incorporated. He currently serves as Executive Chairman on the board of directors of Gap, Inc. Mr. Bob Martin attended South Texas University and holds an Honorary Doctorate degree from Southwest Baptist University. 

Douglas H. Martin served as a director of the predecessor to the Company beginning in 1998 and was appointed as one of our directors in February 2003. Mr. Doug Martin was a member of the Credit Risk Committee in fiscal year 2020 and will remain as a member of the Credit Risk Committee in fiscal year 2021 along with being a member of the Compliance Committee. Mr. Doug Martin is a Senior Executive Vice President of Stephens Inc. where he has been employed since 1981. Mr. Doug Martin serves as a member of the board of directors of numerous privately held companies. He received his Bachelor of Arts in Physics and Economics from Vanderbilt University and his Master of Business Administration from Stanford University. 

Norman L. Miller was appointed our Interim President and Chief Executive Officer on October 17, 2022. Mr. Miller previously served as our President and Chief Executive Officer from September 7, 2015 through August 8, 2021. After his initial service as our President and Chief Executive Officer, Mr. Miller transitioned from the role of President and Chief Executive Officer and was appointed Executive Chairman of the Board. Effective April 1, 2022, Mr. Miller transitioned from Executive Chairman of the Board to serve in his current capacity as a director. Mr. Miller was initially appointed to our Board of Directors on September 7, 2015, and was appointed Chairman of the Board in May 2016, a role he fulfilled through August 8, 2021. In March 2018, Mr. Miller was appointed to serve as chair of the Compliance Committee and he continues to serve in that role.

Prior to joining the Company, Mr. Miller most recently served as the Senior Vice President and President, Automotive at Sears Holdings, which, during his service, operated over 700 Sears Auto Center locations. Previously, he served as President and Chief Operating Officer of DFC Global Corp (formerly Dollar Financial Corp) from 2007 to 2014. Mr. Miller received a Bachelor of Science degree from the United States Military Academy at West Point. Mr. Miller has extensive financial knowledge and provides valuable guidance to our Board of Directors in overseeing various aspects of our operations based on his prior experience as an executive of Sears Holdings and DFC Global Corp. His previous service to our Company as our former Chief Executive Officer and President provides Mr. Miller with additional and particular knowledge of our Company that he brings to our Board of Directors.

William (David) Schofman was appointed as a director in March 2012. Mr. Schofman serves on our Compensation Committee.  Mr. Schofman is an executive, investor and board member for several companies including: PureWRX, Inc., Coro Health, LLC and CPO Commerce, Inc. Mr. Schofman previously served as the Chief Executive Officer of Callaway Golf Interactive from June 2004 to September 2007, and previous to that co-founded and worked in other businesses within the golf industry going back to 1995. Mr. Schofman graduated from the University of Texas at Austin in 1994. 

Oded Shein was appointed as a director in March 2016 and was appointed to the Company’s Audit Committee and Credit Risk and Compliance Committee concurrent with his joining the Board.  Mr. Shein was nominated to serve as chair of the Audit Committee for fiscal year 2020.  In March 2018, Mr. Shein was nominated to serve on the Credit Risk Committee and the Compliance Committee.  In March 2020, Mr. Shein was appointed to serve on the Nominating and Corporate Governance Committee and will continue to serve as chair of the Audit Committee.  Mr. Shein has served as Chief Financial Officer of The Fresh Market, Inc. since August 2018. He previously served as Executive Vice President and Chief Financial Officer of Stage Stores from January 2011 to August 2018. Prior to 2011 Mr. Shein served in various management positions at Belk, Inc. and Charming Shoppes, Inc. Mr. Shein holds a Bachelor of Business Administration in Information Systems from Baruch College and a Master of Business Administration in Finance from Columbia University.

William E. Saunders, Jr. was appointed as a director in August 2014 and has served on the Company’s Audit Committee since his appointment.  He also chaired the Company’s Credit Risk and Compliance Committee until it became two separate committees, the Credit Risk Committee and the Compliance Committee in March 2018, when Mr. Saunders was then nominated to serve as chair of the Credit Risk Committee and as a member of the Compliance Committee. Mr. Saunders has served as the Chief Executive Officer of Community Choice Financial Inc., a leading retailer of alternative consumer financial services products since June 2008, and Chairman of its Board of Directors since May 2014, after joining the company as its Chief Financial Officer in March 2006. Prior to joining Community Choice Financial (previously CheckSmart Financial Holdings), Mr. Saunders was a Vice President for Stephens Inc. from 2004 to 2006 and, prior to that held numerous positions at several investment banks and Arthur Andersen, an accounting firm. Mr. Saunders holds a Bachelor of Science in Business with Special Attainment in Accounting and Commerce from Washington & Lee University and is a certified public accountant in the State of Georgia.