Charles E. Bradley, Jr.

Chairman of the Board and Chief Executive Officer

Charles E. Bradley, Jr. has been President and a director since the Company's formation in March 1991, and was elected Chairman of the Board of Directors in July 2001. In January 1992, Mr. Bradley was appointed Chief Executive Officer. From April 1989 to November 1990, he served as Chief Operating Officer of Barnard and Company, a private investment firm. From September 1987 to March 1989, Mr. Bradley, Jr. was an associate of The Harding Group, a private investment banking firm. Mr. Bradley does not currently serve on the board of directors of any other publicly-traded companies.

Michael T. Lavin

President, Chief Operating Officer and Chief Legal Officer

Michael T. Lavin has been President since December 2022. Prior to that, he was Executive Vice President, Chief Legal Officer and Chief Operating Officer since March 2019. Prior to that, he was Executive Vice President and Chief Legal Officer since March 2014, Senior Vice President – General Counsel since March 2013, Senior Vice President and Corporate Counsel since May 2009 and our Vice President - Legal since joining the Company in November of 2001. Mr. Lavin is responsible for the following departments: Sales, Originations, Servicing, Risk, Systems, IT, Human Resources, Legal and Investor Relations. Mr. Lavin was previously engaged as an associate at a large law firm and spin off start up law firm. Mr. Lavin has a BA from University of Santa Barbara and a JD from University of San Diego.

Teri L. Robinson

Executive Vice President - Sales and Originations

Teri L. Robinson has been Executive Vice President of Sales and Originations since December 2022. Prior to that, she was Senior Vice President of Originations since April 2007 and Senior Vice President of Sales and Originations in June 2020. Prior to that, she held the position of Vice President of Originations since August 1998. Ms. Robinson joined the Company in June 1991 as an Operations Specialist. Previously, Ms. Robinson held an administrative position at Greco & Associates.

Christopher Terry

Executive Vice President - Systems, Risk and IT

Christopher Terry has been Executive Vice President of Systems, Risk, and IT since December 2022. Prior to that, he was Senior Vice President of Risk Management since May 2017, and Senior Vice President of Risk Management, Systems, and IT since October 2018 . Prior to that, he was our Senior Vice President of Servicing from May 2005 to August 2013. He was Senior Vice President of Asset Recovery from August 2013 to May 2017 and from January 2003 to May 2005. Prior to that, he was Vice President - Asset Recovery in June 1999. He joined the Company in January 1995 as a loan officer. Mr. Terry was previously a branch manager with Norwest Financial from 1990 to October 1994.

Danny Bharwani

Executive Vice President - Accounting

Danny Bharwani has been Executive Vice President of Accounting since December 2022. Previously he was Senior Vice President – Accounting from April 2016 and Vice President – Accounting from June 2002. He joined us as Assistant Controller in August 1997. Mr. Bharwani was previously employed as Assistant Controller at The Todd-AO Corporation, from 1989 to 1997.

John P. Harton

Senior Vice President - Program Development

John P. Harton has been Senior Vice President – Program Development since March 2019. Prior to that, he held the position of Senior Vice President – Marketing since April 2014. He joined the Company in April 1996 as a loan officer, held a series of successively more responsible positions, and was promoted to Vice President - Originations in June 2007. Mr. Harton was previously a branch manager with American General Finance from 1990 to March 1996.

Steve Schween

Senior Vice President - Information Systems

Steve Schween has been Senior Vice President of Information Systems since December 2022. Prior to that, he was Vice President of Information Systems since February 2014. Mr. Schween joined the Company in February 2000 as a Systems Analyst. Mr. Schween was previously a Systems Analyst with Jeunique International.

Catrina Ralston

Senior Vice President - Human Resources

Catrina Ralston has been Senior Vice President of Human Resources since December 2022. Prior to that she held the position of Vice President – Human Resources beginning March 2016. Ms. Ralston started with the Company in October 1997. She transitioned from a Servicing clerk into an Administrative Assistant role in March 2000 and then to Human Resources in February 2001. Ms. Ralston expanded her knowledge and education earning her BS in Business Administration and accepted more responsibility within the Human Resources Department promoting to management in September 2002. She has since earned her SHRM-SCP certification and CEBS designation.

Louis M. Grasso

Director

Louis M. Grasso has been a director of the Company since October 2019. Mr. Grasso was the founder and majority owner of PFC Corporation until his retirement in November 2011, upon sale of PFC's portfolio of assets to Capstone Realty Advisors.

Brian Rayhill

Director

Brian Rayhill was elected a director of the Company in August 2006. Mr. Rayhill is a practicing attorney in New York State.

William B. Roberts

Director

William B. Roberts has been a director of the Company since its formation in March 1991. Since 1981, he has been the President of Monmouth Capital Corp., an investment firm which specializes in management buyouts.

Gregory S. Washer

Director

Gregory S. Washer was elected a director of the Company in June 2007. Mr. Washer has been president of Clean Fun Promotional Marketing LLC, a promotional marketing company, since its founding in 1986.

Daniel S. Wood

Director

Daniel S. Wood has been a director of the Company since July 2001. Mr. Wood was President of Carclo Technical Plastics, a manufacturer of custom injection moldings, from September 2000 until his retirement in April 2007. Previously, from 1988 to September 2000, he was the Chief Operating Officer and co-owner of the Carrera Corporation.

Stephen H. Deckoff

Director

Stephen H. Deckoff has been a director of the Company since August 2022. Mr. Deckoff is the managing principal of Black Diamond Capital Management, LLC, an alternative asset management firm, since its founding in 1995.

James E. Walker III

Director

James E. Walker III has been a director of the Company since August 2022. Mr. Walker is the managing partner and founder of Vinson Ventures, LLC a boutique investment firm.