31 unchanged sentences
Directors, Executive Officers and Corporate Governance
−Removed: Information contained under the captions “Proposal 1 - Election of Directors,” “Corporate Governance,” and “Delinquent Section 16(a) Reports” (if any) in the Proxy Statement is incorporated herein by reference in response to this Item 10.
−Removed: The information in response to this Item 10 regarding the executive officers of the Company is contained in Item 1, Part I hereof under the caption “Information about our Executive Officers.”
+Added: The information required by Item 10 with respect to executive officers is incorporated by reference to the information presented in the section captioned “Information about our Executive Officers” in the Company’s Proxy Statement for the 2026 Annual Meeting of Shareholders, which will be filed with the SEC pursuant to Regulation 14A within 120 days of the Company’s fiscal year-end.
Insider Trading Policies and Procedures
40 unchanged sentences
10-K 4.04 05-24-19
−Removed: 4.03 Indenture, dated as of September 27, 2021, among the Company, the guarantors listed therein, and The Bank of New York Mellon Trust Company, N.A.
−Removed: 8-K 4.1 09-28-21
−Removed: 10.01 Amended and Restated Revolving Credit Agreement, dated as of June 7, 2019
−Removed: 8-K 10.1 06-07-19
−Removed: 10.02 Amended and Restated Security Agreement, Pledge and Indenture of Trust, dated as of June 7, 2019
−Removed: 8-K 10.2 06-07-19
−Removed: 10.03 Amended and Restated Security Agreement, Pledge and Indenture of Trust (subsidiaries), dated as of June 7, 2019
−Removed: 8-K 10.3 06-07-19
−Removed: 10.04 Amended and Restated Guaranty Agreement, dated as of June 7, 2019
−Removed: 8-K 10.4 06-07-19
−Removed: 10.05 First Amendment to Amended and Restated Revolving Credit Facility dated December 20, 2019
−Removed: 8-K 10.1 12-23-19
−Removed: 10.06 Second Amendment to Amended and Restated Revolving Credit Facility dated April 29, 2020
−Removed: 8-K 10.1 04-30-20
−Removed: 10.07 Third Amendment to Amended and Restated Revolving Credit Facility, dated July 24, 2020
−Removed: 8-K 10.1 07-24-20
−Removed: 10.08 Fourth Amendment to Amended and Restated Revolving Credit Facility dated December 15, 2020
−Removed: 8-K/A 10.1 12-16-20
−Removed: 10.09 Fifth Amendment to Amended and Restated Revolving Credit Facility dated March 26, 2021
−Removed: 8-K 10.1 03-29-21
−Removed: 10.10 Sixth Amendment to Amended and Restated Revolving Credit Facility dated September 27, 2021
−Removed: 8-K 10.1 09-28-21
−Removed: 10.11 Seventh Amendment to Amended and Restated Revolving Credit Facility dated May 3, 2022
−Removed: 8-K 10.1 05-06-22
−Removed: Eighth Amendment to Amended and Restated Revolving Credit Facility dated July 27, 2022
−Removed: Ninth Amendment to Amended and Restated Revolving Credit Facility dated November 23, 2022
−Removed: 10.1 11-23-22
−Removed: Tenth Amendment to Amended and Restated Revolving Credit Facility dated July 18, 2023
−Removed: 10.1 07-18-23
−Removed: Eleventh Amendment to Amended and Restated Revolving Credit Facility dated November 9, 2023
−Removed: 10.1 11-09-23
−Removed: Twelve Amendment to Amended and Restated Revolving Credit Facility dated February 28, 2024
−Removed: 10.1 02-28-24
10.01+ World Acceptance Corporation Retirement Savings Plan S-8 4.1 10-18-96
47 unchanged sentences
S-8 99 09-08-17
−Removed: Amended and Restated Employment Agreement, dated as of April 1, 2019, by and between World Acceptance Corporation and R.
+Added: 10.26+ World Acceptance Corporation 2025 Stock Incentive Plan
8-K 10.1 08-22-25
1 unchanged sentence
8-K 10.3 04-19-19
−Removed: Amended and Restated Employment Agreement, dated as of April 1, 2019, by and between World Acceptance Corporation and D.
−Removed: 8-K 10.4 04-19-19
10.28+ Employment Agreement, dated as of April 1, 2018, by and between Luke J.
1 unchanged sentence
10-K 10.65 05-24-19
+Added: 10.29+ Employment Agreement, dated as of February 17, 2026, by and between J.
+Added: Tobin Turner and World Acceptance Corporation
+Added: 8-K 10.1 02-17-26
+Added: 10.30+ Separation Agreement, dated April 13, 2026, by and between R.
+Added: Chad Prashad and World Acceptance Corporation
+Added: 8-K 10.1 04-15-26
+Added: 10.31+ Employment Agreement, dated April 13, 2026, by and between Janet L.
+Added: Matricciani and World Acceptances Corporation
+Added: 8-K 10.2 04-15-26
+Added: 10.32+ Revolving Credit Agreement, dated July 22, 2025, by and among the Company, the lenders named therein, and Bank of Montreal, as administrative and collateral agent.
+Added: 8-K 10.1 07-24-25
+Added: 10.33+ Credit Agreement (Warehouse Facility), dated as of September 29, 2025, by and among the Company, as servicer, WFC Receivables I, LLC, as borrower, the lenders and agents from time to time parties thereto, Atlas Securitized Products Administration, L.P., as administrative agent for the lenders, Systems & Services Technologies, Inc., as backup servicer, and Wilmington Trust, National Association, a national banking association, as securities intermediary
+Added: 8-K 10.1 10-03-25
+Added: 10.34+ Consent and Limited Modification to Fixed Charge Ratio, dated as of May 22, 2026, among World Acceptance Corporation, Bank of Montreal, as Administrative Agent and Collateral Agent, and the Required Lenders party thereto
+Added: 8-K 10.1 05-22-26
+Added: 10.35+ Separation Agreement, dated June 3, 2026, by and between Janet L.
+Added: Matricciani and World Acceptance Corporation
Insider Trading Policy
10-K 19 05-23-24
+Added: Policy Relating to Recovery of Erroneously Awarded Compensation
+Added: 10-K 97 05-22-25
21 Schedule of the Company’s Subsidiaries as of March 31, 2026
23 Consent of RSM US LLP
−Removed: 31.01 Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer
+Added: 31.01 Rule 13a-14(a)/15d-14(a) Certification of Chief Operating Officer
31.02 Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer
−Removed: 32.01 Section 1350 Certification of Chief Executive Officer
+Added: 32.01 Section 1350 Certification of Chief Operating Officer
32.02 Section 1350 Certification of Chief Financial Officer
−Removed: Policy Relating to Recovery of Erroneously Awarded Compensation
101 The following materials from the Company’s Annual Report on Form 10-K for the fiscal year ended March 31, 2026, formatted in XBRL:
9 unchanged sentences
WORLD ACCEPTANCE CORPORATION
−Removed: President and Chief Executive Officer
+Added: Executive Vice President and Chief Operating Officer
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
−Removed: Chad Prashad /s/ John L.
−Removed: Chad Prashad John L.
−Removed: President, Chief Executive Officer and Director Executive Vice President and Chief Financial and Strategy Officer
+Added: Tobin Turner /s/ John L.
+Added: Tobin Turner John L.
+Added: Executive Vice President and Chief Operating Officer Executive Vice President and Chief Financial and Strategy Officer
Signing on behalf of the registrant and as principal executive officer Signing on behalf of the registrant and as principal financial officer
−Removed: May 22, 2025 Date:
+Added: June 4, 2026 Date:
/s/ Scott McIntyre
5 unchanged sentences
Chairman of the Board of Directors and a Director Director
−Removed: May 22, 2025 Date:
+Added: June 4, 2026 Date:
/s/ Charles D.
2 unchanged sentences
Director Director
−Removed: May 22, 2025 Date:
+Added: June 4, 2026 Date:
/s/ Beth Neuhoff /s/ Benjamin Robinson
1 unchanged sentence
Director Director
−Removed: May 22, 2025 Date:
+Added: June 4, 2026 Date:
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.