SCHEDULE 13D

Item 2(b) is hereby amended and restated to read as follows: The principal business address of each of FCP, FMGP, FCM and Mr. Finn is 88 Pine Street, Suite 2240, New York, New York 10005. The principal business address of Ms. Bell is 461 Fifth Avenue, 12th Floor, New York, NY 10017. The principal business address of Mr. Wilcox is 360 Nueces Street, 1013, Austin, TX 78701.

Item 2(c) is hereby amended and restated to read as follows: The principal business of FCP is investing in securities. The principal business of FCM is serving as the investment manager to FCP. The principal business of FMGP is serving as the general partner to FCP. The principal occupation of Mr. Finn is serving as member and sole director of FCM. The principal occupation of Ms. Bell is serving as Managing Director of Riveron Consulting, LLC. The principal occupation of Mr. Wilcox is serving as Partner at FuseIQ LLC.

Item 2(d) is hereby amended and restated to read as follows: During the last five years, none of the Reporting Persons has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).

Item 2(e) is hereby amended and restated to read as follows: During the past five years, none of the Reporting Persons has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction as a result of which such entity or person was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.

Item 2(f) is hereby amended and restated to read as follows: Messrs. Finn and Wilcox and Ms. Bell are citizens of the United States of America.

Item 3 is hereby amended and restated to read as follows: FCM invested a total of $11,931,583, including brokerage commissions, to purchase 3,321,300 Shares. The source of funds was FCM's capital available for investment. FCM may effect purchases of Shares through margin accounts maintained for it with brokers, which extend margin credit as and when required to open or carry positions in their margin accounts, subject to applicable federal margin regulations, stock exchange rules and such firms' credit policies. Positions in Shares may be held in margin accounts and may be pledged as collateral security for the repayment of debit balances in such accounts. Such margin accounts may from time to time have debit balances. Because other securities may be held in such margin accounts, it may not be possible to determine the amounts, if any, of margin used to purchase Shares.

Item 4 is hereby amended to add the following: On March 26, 2025, FCP delivered a letter to the Issuer formally nominating a slate of two highly qualified director candidates, Sandra Bell and Warren Wilcox (collectively, the "Nominees"), for election to the Board at the Issuer's 2025 annual meeting of stockholders (the "Annual Meeting"). The Reporting Persons intend to solicit votes for the election of the Nominees at the Annual Meeting and also intend to continue to engage with the Board and management regarding governance improvements at the Issuer. Sandra Bell currently serves as an Independent Director of Chimera Investment Corporation, where she chairs the Risk Committee and serves on the Audit Committee. Ms. Bell also serves as a Managing Director in the Interim Management Practice at Riveron Consulting, LLC. Previously, Ms. Bell served as the Chief Financial Officer of Tiptree Inc. ("Tiptree"). Prior to Tiptree, Ms. Bell served as Chief Financial Officer of Prospect Mortgage, LLC and as Chief Financial Officer of PHH Corporation. Before that, Ms. Bell served as Executive Vice President and Chief Financial Officer of the Federal Home Loan Bank of Cincinnati and as a Managing Director at Deutsche Bank Securities in project and structured finance. Ms. Bell received an MBA from Harvard Business School. Warren Wilcox has served on several boards, both public and private; including Encore Capital Group, Inc., the second largest debt buyer and collector in the U.S., and InfoArmor, Inc., a venture-backed identity protection company acquired by Allstate Corporate in 2018. Most recently, Mr. Wilcox has been instrumental in the creation of 3 new fintech startups, including Mercury Financial LLC, a financial technology company providing Mastercard-branded credit cards and personal loans to sub-prime and middle-market consumers. Previously, he served as the Head of Advisory Services at Visa Inc., Vice Chairman of Providian Financial Corporation, EVP at FleetBoston Financial Corporation, and EVP of Household International's credit card unit. Mr. Wilcox has an M.S. in Management degree from Purdue University. On March 27, 2025, the Reporting Persons issued a press release and open letter (the "March 27 Letter") to the Board and stockholders of the Issuer in which the Reporting Persons announced the nomination of the Nominees for election to the Board at the Annual Meeting and responded to recent public comments by the Issuer regarding the Issuer's performance and governance. In the March 27 Letter, the Reporting Persons detailed their concerns with the six legacy directors who continue to comprise a majority of the Board, citing what they described as a lack of lending experience, troubling interpersonal ties, and a track record that, in the view of the Reporting Persons, raises serious concerns about their ability to continue overseeing the Issuer, and express the view of the Reporting Persons that the election of the Nominees--both of whom have extensive experience in lending, financial services, and board leadership--is necessary to unlock the Issuer's full potential. The foregoing description of the March 27 Letter does not purport to be complete and is qualified in its entirety by reference to the March 27 Letter, which is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Item 5(a) is hereby amended and restated to read as follows: As of the date hereof, the Reporting Persons beneficially owned 3,321,300 Shares in the aggregate, representing approximately 9.2% of the outstanding Shares, including (i) 2,011,000 Shares held directly by FCP, representing approximately 5.6% of the outstanding Shares, and (ii) 1,310,300 Shares held in certain separately managed accounts. The aggregate percentage of Shares reported owned by the Reporting Persons herein is based upon 36,134,274 Shares outstanding, as of February 14, 2025, which is the total number of Shares outstanding as reported in the Issuer's Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 20, 2025.

Item 5(c) is hereby amended and restated to read as follows: Since the filing of Amendment No. 6 to the Schedule 13D, none of the Reporting Persons has effected any transactions in the Shares, except as set forth on Exhibit 1. Each Reporting Person disclaims beneficial ownership of such Shares except to the extent of his, her or its pecuniary interest therein.

Item 6 is hereby amended to add the following: On March 26, 2025, the Reporting Persons entered into a Joint Filing and Solicitation Agreement in which, among other things, the Reporting Persons agreed to (a) to the joint filing on behalf of each of them of statements on Schedule 13D, and any amendments thereto, with respect to the securities of the Issuer, (b) to form a group to solicit proxies for the election of certain persons nominated for election to the Board at the Annual Meeting and to take such other actions as the group deems advisable, (c) that the Nominees would not enter into any transactions in the securities of the Issuer without written notice to FCP's counsel, and (d) that FCP would bear all pre-approved expenses incurred in connection with the Reporting Persons' activities. The Joint Filing and Solicitation Agreement is attached hereto as Exhibit 99.2 and is incorporated herein by reference. FCP has signed separate letter agreements (the "Indemnification Agreements") with each of the Nominees pursuant to which it and its affiliates have agreed to indemnify such Nominees against certain claims arising from the solicitation of proxies from the Issuer's stockholders in connection with the Annual Meeting and any related transactions. The Indemnification Agreements are attached hereto as Exhibit 99.3 and are incorporated herein by reference. Each of the Nominees have granted Mr. Finn a power of attorney (collectively, the "Powers of Attorney") to execute certain SEC filings and other documents in connection with the solicitation of proxies from the Issuer's stockholders in connection with the Annual Meeting and any related transactions. The Powers of Attorney are attached hereto as Exhibit 99.4 and incorporated herein by reference. Other than as described herein, there are no contracts, arrangements, understandings or relationships among the Reporting Persons, or between the Reporting Persons and any other person, with respect to the securities of the Issuer.

Item 7 is hereby amended to add the following exhibits: 1 - Transactions in the Securities. 99.1 - March 27 Letter. 99.2 - Joint Filing and Solicitation Agreement, by and among Findell Capital Partners, LP, Findell Capital Management LLC, Finn Management GP LLC, Brian A. Finn, Sandra Bell and Warren Wilcox, dated March 26, 2025. 99.3 - Indemnification Agreements. 99.4 - Powers of Attorney.