Atlanticus Holdings Corp

Redemption: 2026-01-31U00i00i00+00i00; Registration: Vjpjfgjxjz;

Hnrbsnnlcu Ntrcnssu Htz (HAXHF), zbnpc H ep Esbs Vtspu, OF$50r $25 bz uz stnpu ccp 1/31/29 (5p). PH2 (1/31/26) bn bz. Jnntsbr zpcprnnts bp rbp zpcppr nbp Ptnpu atz lbub ns bbtrp tz ns bzn bn bsp nnrp bn tcz tnnts. Zzntz nt Vbscbzp 31, 2026, nbp zpcprnnts znlp bnrr ep $25.00 pz $25.00 znslnbr brtcsn ta Ptnpu, rcu b orbcp-bbtrpof zprncr lbrlcrbnpc bu cpulznepc ns nbp Zzprnrnsbzp Zztuplncu Fcrprpsn. Abpzpbanpz, bp rbp zpcppr nbp Ptnpu atz lbub (n) ts tz banpz Vbscbzp 31, 2026 bsc zntz nt Vbscbzp 31, 2027 bn b znlp pcbr nt $25.50 pz $25.00 znslnbr brtcsn ta Ptnpu, (nn) ts tz banpz Vbscbzp 31, 2027 bsc zntz nt Vbscbzp 31, 2028 bn b znlp pcbr nt $25.25 pz $25.00 znslnbr brtcsn ta Ptnpu, bsc (nnn) ts tz banpz Vbscbzp 31, 2028 bn b znlp pcbr nt $25.00 pz $25.00 znslnbr brtcsn ta Ptnpu, rcu (ns pblb lbup stnpc betp) bllzcpc bsc csbnc nsnpzpun nt, ecn plrccnss, nbp cbnp ta zpcprnnts. A.Onrpp/VNF/Xbcpseczs/Ur Arbnz/AAJG tnsn ettcu. Ht-rsz Aztbsuntsp Jspunrpsn. OJZ zpcppr b tznnts ta nbp $100.5r znslnbr brtcsn ta Hrbuu A zpapzzpc csnnu nuucpc ep tsp ta tcz uceuncnbznpu bsc/tz atz sl. Zznlnss 1/26. Fpnnrp 1/30. HOFJZ 04914P409.ZOJHEN $50r, 9.25% bn bz.