CURO : Investor Presentation - September 2023

Investor Presentation

September 2023

Disclaimer

IMPORTANT: You must read the following information before continuing to the rest of the presentation, which is being provided to you for informational purposes only.

FORWARD-LOOKING STATEMENTS

This presentation contains forward-looking statements. These forward-looking statements include projections, estimates and assumptions about various matters such as our future operational performance, including the updated third quarter information presented on slide 12. In addition, words such as "estimate," "believe," "forecast," "predict," "project," "intend," "should" and variations of such words and similar expressions are intended to identify forward-looking statements. Our ability to achieve these forward-looking statements is based on certain assumptions, judgments and other factors, both within and outside of our control, that could cause actual results to differ materially from those in the forward-looking statements, including, risks relating to the uncertainty of projected financial information and forecasts, our level of indebtedness; our dependence on third-party lenders to provide the cash we need to fund our indebtedness and our ability to affordably access third-party financing; the impact of regulations on our business; the effects of competition on our business; our ability to attract and retain customers; global economic, market, financial, political or public health conditions or events; our ability to integrate acquired businesses; our ability to protect our proprietary technology and analytics; disruption of our information technology systems; improper disclosure of customer personal data, as well as other factors discussed in our filings with the Securities and Exchange Commission. The foregoing factors, as well as other existing risk factors and new risk factors that emerge from time to time, may cause actual results to differ materially from those contained in any forward-looking statements. Given these risks and uncertainties, investors should not place undue reliance on forward-looking statements as a prediction of actual future results. Furthermore, the Company undertakes no obligation to update, amend or clarify forward-looking statements.

NON-GAAP FINANCIAL MEASURES

In addition to the financial information prepared in conformity with U.S. GAAP, we provide certain "non-GAAP financial measures," which are intended as a supplemental measure of our performance that are not required by, or presented in accordance with, GAAP. We present these non-GAAP financial measures because we believe that, when viewed with our GAAP results and the accompanying reconciliation, such measures provide useful information for comparing our performance over various reporting periods as they remove from our operating results the impact of items that we believe do not reflect our core operating performance. These non-GAAP financial measures are not substitutes for any GAAP financial measure and there are limitations to using them. Although we believe that these non-GAAP financial measures can make an evaluation of our operating performance more consistent because they remove items that do not reflect our core operations, other companies in our industry may define their own non-GAAP financial measures differently or use different measures. As a result, it may be difficult to use any non-GAAP financial measure to compare the performance of other companies to our performance. The non-GAAP financial measures presented in these slides should not be considered as measures of the income generated by our business or discretionary cash available to us to invest in the growth of our business. Our management compensates for these limitations by reference to GAAP results and using these non-GAAP financial measures as supplemental measures.

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Key Management

Doug Clark

Chief Executive Officer

Izzy Dawood

Chief Financial Officer

Gary Fulk

Chief Operating Officer

Shu Chen

Chief Credit Risk Officer

• Joined CURO in 2021 through the acquisition of Heights Finance
• Formerly CEO of Heights Finance, joined CURO as President of North America Direct Lending and was subsequently named CEO
• Nearly 20 years of consumer finance experience driving organizational growth, including leadership roles at Heights Finance and Axcess Financial
• Joined CURO in 2023
• 20+ years of experience building and leading financial teams, including CFO roles at Santander Consumer and Paysafe, a global payments platform, and leadership roles at BNY Mellon
• Joined CURO in 2021 through the acquisition of Heights Finance
• 28+ years of consumer finance experience including Heights Finance and OneMain Financial where he held numerous leadership and operational roles
• Joined CURO in 2023, and oversees risk and analytics
• 10+ years of experience in credit, fraud, risk monitoring, loss forecasting and marketing analytics, including prior role as Chief Risk and Analytics officer of CNG Holdings

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Company Overview

• Omni-channelconsumer finance company serving consumers in the U.S. and Canada
• Operates in almost 500 branches across 13 states in the U.S. and nearly 150 branches in Canada - eight provinces with retail locations and eight provinces and one territory online
• Secured and unsecured installment and open-end loan products to non-prime consumers as well as credit insurance and other ancillary financial products

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Strategic Transformation

CURO started as a U.S. short-term lender, but through investments and M&A, has repositioned the business to align with go-forward strategy of offering longer term, higher balance and lower risk credit products

Acquisition of	Sale of Legacy U.S.
Direct Lending Business
Heights
Accelerates transition
Entrance into the
from and reduces
<36% APR loan
exposure to high APR
market
loan products

Acquisition of First Heritage Credit

Expands <36% APR lending capabilities, adding new strategic geographies

Sale of Flexiti

Completes transformation allowing us to focus exclusively on our Direct Lending business

2021

2022

2023

Refinanced Senior Notes and upsized issue to $1B

Issued C$526.5M Flexiti Securitization Facility; refinanced and upsized C$535M Flexiti Warehouse Facility

Refinanced and
upsized Warehouse
Facilities for Heights	Issued $150M
($425M) and First
Sr Term Loan
Heritage ($225M) as
and executed
part of the acquisitions
uptier exchange
		on $1B Senior Notes

Executed new C$110M Warehouse Facility in Canada

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