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World Acceptance: Ridgeview gifts 24,000 shares

Ridgeview Smith Investments LLC gifted 24,000 WRLD common shares to the Thomas W. Smith Foundation for no consideration on November 5, 2026.

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Form Type
4

Rhea-AI Filing Summary

Ridgeview Smith Investments LLC gifted 24,000 WRLD common shares to the Thomas W. Smith Foundation for no consideration on November 5, 2026. Ridgeview reported 459,000 shares after the gift, and the Foundation reported holdings of 34,000 shares. Thomas W. Smith, identified as a ten percent owner and member of a Section 13(d) group, reported the transfer and disclaims beneficial ownership of Ridgeview’s shares beyond his pecuniary interest. No Rule 10b5-1 plan is reported.

Insider SMITH THOMAS W
Role 10% Owner
Type Security Shares Price Value
Gift Common Stock F5, F1 24,000 $0.00 $0.00
Holding Common Stock F2 -- -- --
Holding Common Stock F3 -- -- --
Holding Common Stock F4 -- -- --
Holdings After Transaction: Common Stock — 459,000 shares (Indirect, By Ridgeview Smith Investments LLC); Common Stock — 34,000 shares (Indirect, By Thomas W. Smith Foundation); Common Stock — 61,150 shares (Indirect, By Thomas W. Smith Family Accounts); Common Stock — 42,294 shares (Indirect, By Prescott Investors Profit Sharing Trust)
Footnotes (5)
  1. F1. These shares are owned directly by Ridgeview Smith Investments LLC ("Ridgeview"), a limited liability company established by Thomas W. Smith for the benefit of his family and are beneficially owned indirectly by Mr. Smith as trustee of a revocable trust he established for the benefit of his family and which is the sole member of Ridgeview. Mr. Smith disclaims beneficial ownership of these shares in excess of his pecuniary interest under Rule 16a-1(a)(2)(iii). The address of Ridgeview is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
  2. F2. These shares are owned directly by the Thomas W. Smith Foundation (the "Foundation"), a private charitable foundation. Mr. Smith serves as a trustee of the Foundation but has no direct or indirect pecuniary interest in the shares held by the Foundation. Pursuant to Rule 16a-1(a)(4), the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose. The address for the Foundation is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
  3. F3. These shares are owned directly by investment accounts established for the benefit of certain family members of Thomas W. Smith. The inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 or any other purpose and Mr. Smith disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.
  4. F4. These shares are owned directly by the Prescott Investors Profit Sharing Trust (the "Trust"), an employee profit-sharing plan for which Mr. Smith serves as a trustee. The inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 or any other purpose and Mr. Smith disclaims beneficial ownership of these shares under Rule 16a-8(b)(1). The address of the Trust is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
  5. F5. This transaction involved a gift of 24,000 shares of WRLD common stock from Ridgeview to the Foundation for no consideration on November 5, 2026.
Gifted common shares 24,000 shares Ridgeview Smith Investments LLC to the Thomas W. Smith Foundation on November 5, 2026
Ridgeview shares after gift 459,000 shares Following the November 5, 2026 transfer
Foundation shares 34,000 shares Reported on November 5, 2026
Family account shares 61,150 shares Held in Thomas W. Smith family accounts; reported on November 5, 2026
Profit-sharing trust shares 42,294 shares Held by Prescott Investors Profit Sharing Trust; reported on November 5, 2026
beneficial ownership regulatory
"disclaims beneficial ownership of these shares"
Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.
pecuniary interest regulatory
"except to the extent of his pecuniary interest"
revocable trust technical
"as trustee of a revocable trust"
A revocable trust is a legal arrangement where the person who creates it keeps control and can change or cancel the trust at any time, while naming who will manage and receive the assets later. Think of it like a flexible folder for your investments and property that can be relabeled or reworked as circumstances change; it matters to investors because it determines how ownership is recorded, how easily assets transfer on incapacity or death, and whether holdings bypass public probate proceedings.
Rule 16a-1(a)(4) regulatory
"Pursuant to Rule 16a-1(a)(4)"

FAQ

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How many WRLD shares did Ridgeview gift, and to whom?

Ridgeview Smith Investments LLC gifted 24,000 WRLD common shares to the Thomas W. Smith Foundation for no consideration on November 5, 2026.

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SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
SMITH THOMAS W

(Last)(First)(Middle)
2200 BUTTS ROAD
SUITE 320

(Street)
BOCA RATON FLORIDA 33431

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
WORLD ACCEPTANCE CORP [ WRLD ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
DirectorX10% Owner
Officer (give title below)XOther (specify below)
Member of Section 13(d) Group
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
11/05/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock11/05/2026G(5)24,000D$0459,000IBy Ridgeview Smith Investments LLC(1)
Common Stock34,000IBy Thomas W. Smith Foundation(2)
Common Stock61,150IBy Thomas W. Smith Family Accounts(3)
Common Stock42,294IBy Prescott Investors Profit Sharing Trust(4)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. These shares are owned directly by Ridgeview Smith Investments LLC ("Ridgeview"), a limited liability company established by Thomas W. Smith for the benefit of his family and are beneficially owned indirectly by Mr. Smith as trustee of a revocable trust he established for the benefit of his family and which is the sole member of Ridgeview. Mr. Smith disclaims beneficial ownership of these shares in excess of his pecuniary interest under Rule 16a-1(a)(2)(iii). The address of Ridgeview is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
2. These shares are owned directly by the Thomas W. Smith Foundation (the "Foundation"), a private charitable foundation. Mr. Smith serves as a trustee of the Foundation but has no direct or indirect pecuniary interest in the shares held by the Foundation. Pursuant to Rule 16a-1(a)(4), the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose. The address for the Foundation is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
3. These shares are owned directly by investment accounts established for the benefit of certain family members of Thomas W. Smith. The inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 or any other purpose and Mr. Smith disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.
4. These shares are owned directly by the Prescott Investors Profit Sharing Trust (the "Trust"), an employee profit-sharing plan for which Mr. Smith serves as a trustee. The inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 or any other purpose and Mr. Smith disclaims beneficial ownership of these shares under Rule 16a-8(b)(1). The address of the Trust is 2200 Butts Road, Suite 320, Boca Raton, FL 33431.
5. This transaction involved a gift of 24,000 shares of WRLD common stock from Ridgeview to the Foundation for no consideration on November 5, 2026.
Remarks:
The filing of this report shall not be deemed to be an admission that the Reporting Person is a member of a "group" within the meaning of Section 13(d)(3) of the Securities Exchange Act of 1934, as amended. The Reporting Person disclaims beneficial ownership of the shares included in this report except to the extent of his pecuniary interest in such shares.
/s/ Thomas W. Smith11/09/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

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