Jane Thompson

About Jane J. Thompson

Independent director since February 2022; age 73; Class II term expiring at the 2026 Annual Meeting. Chair of the Compensation Committee and member of the Audit Committee; Board determined she is independent under Nasdaq rules. Prior senior leadership roles include President, Walmart Financial Services; leadership of Sears Credit, Sears Home Services and Sears Online; Partner at McKinsey; brand management at Procter & Gamble .

Past Roles

External Roles

Board Governance

• Committee assignments and roles:
  • Compensation Committee: Chair
  • Audit Committee: Member; Audit Committee met 5 times in 2024; Compensation Committee met 6 times in 2024
• Independence: Board determined non‑employee directors (including Thompson) are independent
• Attendance and engagement:
  • Board met 21 times in 2024; each current director attended at least 75% of Board and committee meetings during tenure
  • Directors are encouraged to attend Annual Meetings; all directors attended last year’s Annual Meeting
• Board leadership and structure: Independent Chair (Brian Hirsch); CEO and Chair roles separated
• Additional governance context:
  • CURO nomination rights historically allowed CURO to designate directors, indicating investor influence in board composition
  • Blue Owl/Agent has board observer rights to attend Board and committee meetings (non‑voting), increasing lender oversight of governance processes

Fixed Compensation

• No director meeting fees beyond retainer and committee fees
• No tax gross‑ups for directors; hedging, short sales, short‑term trading and pledging prohibited by policy

Performance Compensation

No performance‑based metrics apply to non‑employee director equity; RSUs are time‑based per policy .

Other Directorships & Interlocks

Expertise & Qualifications

• Deep consumer finance and non‑prime credit experience; led multi‑billion financial services divisions (Walmart FS; Sears credit/services/online)
• Extensive public company board service across fintech, payments, retail and technology; service on audit and compensation committees at multiple issuers
• Independent director; governance experience in compensation and audit oversight; Board conducts annual self‑evaluations with independent advisor

Equity Ownership

Compensation Committee Analysis

• Committee composition: Thompson (Chair), Gayhardt, Hirsch; all independent and non‑employee directors
• Use of independent compensation consultant: FW Cook engaged; independence assessed; no conflicts of interest identified
• Committee responsibilities: executive and director pay, incentive plans, stock ownership guidelines, succession planning, human capital ESG oversight
• Clawback policy: Adopted Oct 2, 2023; mandatory recovery after restatements; Company enforced recovery in 2024 (STIP and PSU adjustments) — governance positive signal

Governance Assessment

• Strengths

  • Independent director with relevant consumer finance expertise; chairs Compensation and serves on Audit
  • Strong governance policies: no tax gross‑ups; prohibitions on hedging/pledging/short sales; equity ownership guidelines; annual board and committee self‑evaluations with independent advisor; independent Chair
  • Active clawback enforcement following restatement — credible pay‑for‑performance and accountability

• Watch items / RED FLAGS

  • Lender board observer rights across Board and committees could influence deliberations and independence of governance processes during refinancing period
  • Potential future dilution/change‑of‑control risk from Blue Owl warrants and term loan conversion creates an unstable governance environment (board composition/control could shift materially), though not specific to Thompson
  • Multiple concurrent public boards (Navient, CompoSecure, Resolute) increase time‑commitment considerations; ongoing attendance met ≥75% threshold in 2024

• Alignment signals

  • Director equity grants and 5x retainer ownership guideline promote long‑term alignment; RSUs are time‑based; no meeting fees

Key references:
- Director biography, roles: **[1785424_0001628280-25-019705_kplt-20250424.htm:15]** **[1785424_0001628280-25-019705_kplt-20250424.htm:13]**
- Independence, policies: **[1785424_0001628280-25-019705_kplt-20250424.htm:17]** **[1785424_0001628280-25-019705_kplt-20250424.htm:4]** **[1785424_0001628280-25-019705_kplt-20250424.htm:31]** **[1785424_0001628280-25-019705_kplt-20250424.htm:32]**
- Board/committee meetings & attendance: **[1785424_0001628280-25-019705_kplt-20250424.htm:21]** **[1785424_0001628280-25-019705_kplt-20250424.htm:20]**
- Director compensation policy and amounts: **[1785424_0001628280-25-019705_kplt-20250424.htm:26]** **[1785424_0001628280-25-019705_kplt-20250424.htm:27]**
- RSU vesting and counts: **[1785424_0001628280-25-019705_kplt-20250424.htm:26]** **[1785424_0001628280-25-019705_kplt-20250424.htm:27]** **[1785424_0001628280-25-019705_kplt-20250424.htm:30]**
- Ownership table: **[1785424_0001628280-25-019705_kplt-20250424.htm:29]**
- Compensation committee and consultant: **[1785424_0001628280-25-019705_kplt-20250424.htm:23]**
- Clawback execution: **[1785424_0001628280-25-019705_kplt-20250424.htm:47]**
- CURO investor influence: **[1785424_0001628280-25-019705_kplt-20250424.htm:29]** **[1785424_0001628280-25-019705_kplt-20250424.htm:49]**
- Lender board observer and refinancing context: **[1785424_0000950103-25-007907_dp230599_def14a.htm:26]** **[1785424_0000950103-25-007907_dp230599_def14a.htm:6]** **[1785424_0000950103-25-007907_dp230599_def14a.htm:28]** **[1785424_0000950103-25-007907_dp230599_def14a.htm:29]**