Sally Bond

Nicholas Financial Inc.

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.