Howard Jeffrey A. 4

What Happened

• Jeffrey A. Howard, President & CEO and Director of Atlanticus Holdings Corp (ATLC), was granted 74,294 restricted shares (transaction code A) on March 19, 2026. The grant has a $0.00 acquisition price (i.e., a compensation award).
• On March 20, 2026, 474 shares were withheld to satisfy tax-withholding obligations (transaction code F) at a closing price of $54.67 per share, resulting in shares-withheld value of $25,914. The restricted shares will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.

Key Details

• Transaction dates and codes: 2026-03-19 (A — grant of restricted stock); 2026-03-20 (F — shares withheld for taxes).
• Grant size: 74,294 restricted shares; Withholding: 474 shares withheld for taxes at $54.67/share (total ≈ $25,914).
• Vesting: Grant vests in three substantially equal annual installments (Mar 19 of 2027, 2028, 2029) (Footnote F1).
• Tax withholding: Shares withheld to cover taxes based on the March 20, 2026 closing price (Footnote F2).
• Shares owned after transaction: Not stated in the supplied filing details.
• Filing date: Form 4 filed March 23, 2026; no late-filing indication provided.

Context

• This was a compensation grant (award), not an open-market purchase or sale. The withholding of 474 shares to cover taxes is a routine, administrative step and does not necessarily indicate a change in the insider’s market sentiment. Grants that vest over time are intended as long-term compensation rather than immediate liquidity.