#1CURO ABS Investor Presentation OCTOBER 17-18, 2022#2Important Information FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements. These forward-looking statements include projections, estimates and assumptions about various matters such as our growth strategy and opportunities presented in our addressable market. In addition, words such as "estimate," "believe," "forecast," "predict," "project," "intend," "expect," "should," 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, the effects of competition on our business; our ability to attract and retain customers; global economic, market, financial, political or health conditions or events; our dependence on third-party lenders to provide the cash we need to fund our loans and our ability to affordably access third-party financing; our level of indebtedness; our ability to integrate acquired businesses; the impact of regulations on our business; 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," including: Adjusted Pre-Tax Income, (Income from continuing operations before income taxes minus certain non-cash and other adjusting items); Non- recourse debt (Debt related to funding loans); and Recourse debt (Debt not related to funding loans). Such measures 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, 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 the Company believes 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 the Company's 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. All product names, logos, brands, trademarks and registered trademarks are property of their respective owners. 2#3CURO ■ ■ ■ W CURO Company Overview CURO is a tech-enabled, omni-channel consumer finance company serving a full spectrum of non-prime and prime consumers in the U.S. and Canada We operate in 13 states in the United States and eight provinces in Canada with retail locations and nine provinces online CURO operates in three business segments: US Direct Lending, Canada Direct Lending and Canada Point-of Sale Lending CURO is a publicly traded company: Initial public offering in 2017 Listed on the NYSE under the ticker symbol "CURO" ■ 3#4CURO Business Segments CURO has the following business segments in the United States and Canada: HEIGHTS H FINANCE CASHMONEY® 1st Heritage CREDIT LENDIRECT flexiti CCURO US DIRECT LENDING Secured and unsecured installment loan products to near-prime and non-prime consumers as well as credit insurance and other ancillary financial products in over 500 branches across 13 states CANADA DIRECT LENDING Non-prime and open-end loans and payment protection insurance in over 200 branches and online in nine provinces CANADA POINT-OF-SALE LENDING Flexiti, Canada's largest point-of-sale ("POS") lender, has a network of over 8,000 merchant locations and e-commerce sites. 4#5CURO's Strategic Transformation CCURO CURO's history began in the U.S. short-term lending industry but through investment and M&A we have repositioned the business to align with our go-forward strategy of offering longer term, higher balance and lower rate credit products Expansion of Canada Direct Lending Business Geographic and product expansion, developing non- prime customer base Secured first C$175M Warehouse Facility for CAN Direct Lending 2018 $750M Senior Notes Offering Acquisition of Flexiti Adds POS financing capabilities in Canada, as well as entrance into prime credit market Acquisition of Heights Entrance into the <36% APR loan market 2021 Refinanced Senior Notes and upsized issue to $1B Sale of Legacy U.S. Direct Lending Business Accelerates transition from and reduces exposure to high APR loan products 2022 Issued first C$526.5M Flexiti Securitization Facility, and refinanced and upsized C$535M Flexiti Warehouse Facility Acquisition of First Heritage Credit Expands <36% APR lending capabilities, adding strategic new geographies Refinanced and upsized Warehouse Facilities for Heights ($425M) and First Heritage ($225M) as part of the acquisitions 5#6Large addressable market with market-leading brands North American footprint creates geographic and regulatory diversity Advanced credit tools and analytics for underwriting and collections Publicly traded company with diversified funding sources CURO Track record of sustainable, differentiated growth Installment loans and open-end products with ability to quickly adjust to the credit environment Solid liquidity profile with staggered and/or long-term debt maturities Prime, near-prime and non-prime business units and asset classes create credit diversity Cycle-tested U.S. portfolio and management team with 150+ years combined industry experience CURO Company Highlights 01 6#7CURO Management Team (in Attendance) Don Gayhardt CEO Phil Gitler EVP & Chief Strategy Officer Rusty Foster SVP, Corporate Treasurer Peter Pittner AVP, Treasury Flexiti ▪ Joined CURO in 2012 Led CURO though its growth into the Canadian Market and transformation of its entire US business ▪ 30+ years of executive management experience in the consumer credit industry, including DFG Global CCURO ▪ Joined CURO in 2021, and oversees corporate development and strategy efforts ■ ■ Joined CURO in 2013, and oversees Treasury and funding ▪ 23+ years of treasury management and capital markets experience within a variety of industries, including 10 years in financial services industry 25+ years of experience working in consumer financial services, sourcing and leading complex transactions through business cycles, including eight years at Waterfall Asset Management and seven years at Goldman Sachs ■ Joined Flexiti in 2021, and oversees Treasury and funding ▪ 16+ years of experience in financial services corporate planning, commercial banking, risk and international banking, including four years at Honda Canada Finance and nine years at Scotiabank 7#8Public Company Discipline ܡܕ c 111 Q PUBLIC COMPANY TRANSPARENCY Publicly available SEC filings and disclosures EXTERNAL AUDIT External financial statement and SOX audit performed by Deloitte INTERNAL AUDIT Robust eight-member internal audit team ■ ▪ Performs risk-based financial, operational, compliance, technology audits in accordance with IIA (Institute of Internal Auditors) standards INTERNAL CONTROLS SOX framework and controls in place since 2018, tested annually FRAUD DETECTION AND CYBERSECURITY ▪ Industry leading proprietary fraud detection framework ■ CCURO · COMPLIANCE AND RISK Experienced robust compliance team; CCO reports to the board ■ Quarterly presentations to board, annual external penetration testing, social engineering tests and external PCI reviews Enterprise Risk Framework implemented 2020 utilizing COSO ERM Framework Enterprise risk committee reports to the board's Risk and Compliance Committee, which is chaired by independent board member 8#9CURO Business Segments - US Direct Lending PRODUCT DETAILS 509 branches across 13 southern and midwestern states Near Prime Loans $1,000 $10,000 ☐ 18 - 60 month terms Secured or Unsecured ■ R Non-Prime Loans $250 - $1,500 R 5-12 month terms ■ Unsecured W Customary credit insurance and other financial products Approximately 50% of loans are <36% APR. ¹ Metric ranges have been normalized to account for pandemic-related impacts As % of Loan Balances - Illustrative¹ Interest Revenue Ancillary Revenue Total Revenue Net Charge-Offs Operating Expenses Funding Costs as a % of debt balance Return on Assets % (Adj PTI/Avg Loan Balances) 46% - 48% 5% - 7% 51% -55% 11% -13% 25% -29% 1 Mo. SOFR +4.25% 7% - 10% GROWTH STRATEGY Strong synergy potential through branch optimization, cost efficiencies and cross- selling opportunities HEIGHTS 1 Heritage FINANCE CREDIT Expand in-market branch presence and into new states to capitalize on the potential addition of millions of near- prime and non-prime customers LOAN BALANCES² (Millions) $600 $204 $166 $229 $715 $230 $192 $293 2020 Heights Large Loan First Heritage 2 Excludes impacts of purchase accounting 2021 $730 $235 $197 $298 Jun-22 Heights Small Loan 9#10CURO Business Segments - Canada Direct Lending PRODUCT DETAILS 202 branches across eight provinces Open-End Loans I m Online and branch locations C$50 C$10,000 loan sizes Offers payment protection insurance ¹ Metric ranges have been normalized to account for pandemic-related impacts As % of Loan Balances - Illustrative¹ Interest Revenue Ancillary Revenue Total Revenue Net Charge-Offs Operating Expenses Funding Costs as a % of debt balance Return on Assets % (Adj PTI/Avg Loan Balances) 45% - 48% 12% -14% 57% -62% 15% -19% 18% -22% 3 Mo. CDOR + 6.0% 16% - 20% CASHMONEY LENDIRECT GROWTH STRATEGY Continued execution of strong volume growth as a leading financial services provider in Canada Digitization of customer journey Cross-selling opportunities across complementary CURO products LOAN BALANCES (Millions) $330 2020 $427 2021 $468 Jun-22 10#11CURO Business Segments - Canada Point-of-Sale PRODUCT DETAILS Big-ticket item POS financing C$1,760 average transaction size Revolving credit line for in-network at over 8,000 locations across merchant partners and e-commerce sites Gives customers the ability to split purchases into equal monthly installments ¹ Metric ranges have been normalized to account for pandemic-related impacts Leon's The BRICK As % of Loan Balances - Illustrative¹ Interest Revenue Ancillary Revenue Total Revenue Net Charge-Offs Operating Expenses Funding Costs as a % of debt balance Return on Assets % (Adj PTI/Avg Loan Balances) wayfair staples SleepCountry 17% -21% 2% -3% 19% -24% PEOPLES CANADA'S BIAMEND STORE 4% - 5% 4% -6% 3 Mo. CDOR + 4.4% 4% -6% - Best Fre Visions ELECTRONICS GROWTH STRATEGY Cross-sell opportunities across CURO's range of products Addition of new merchant partners into the Flexiti network Expansion into non-prime product to provide incremental volume LOAN BALANCES (Millions) $209 flexiti 2020 BIRKS $459 2021 michael hill $627 Jun-22 11#12Diversified Funding Sources ▪ CURO has proven access to diverse funding sources and sufficient liquidity to support future growth Through its strategic repositioning, CURO has been able to meaningfully reduce its cost of non-recourse debt Non-Recourse Commitments as of Sep-22 ■ (Millions) 500 450 400 350 300 250 200 150 100 50 Lill FHC CDL SPV FLX SPV FLX SPV HFC SPV CN Revolver(1) US Revolver FLX 2021-1 FLX SPV CDL SPV FHC SPV HFC SPV Sr. Notes US CN 2021-1 Revolver Revolver Debt Maturities 2022 2023 2024 2025 2026 2027 2028 2029 2030 Note 1: The Canada Revolver does not have a maturity date but is subject to an annual review WACD 9.00% 8.50% 8.00% 7.50% 7.00% 6.50% 6.00% 5.50% 5.00% 4.50% 4.00% Historical Weighted-average Cost of Non-Recourse Debt (SPV) CCURO Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 WACD SOFR CDOR 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% SOFR&CDOR 12#13HEIGHTS FINANCE ONEY Flow ASY FRIEND 1257 HEIGHTS PINANCE LOANS UP TO $10.000 (OR MORE) TODAY LY-FAST EASY FRI Heights Finance 13#14Company Overview Leading consumer finance company operating as Heights Finance and Southern Management Company in over 400 branch locations across 11 southern and mid-western ■ U.S. states Heights Finance predominately underwrites large loans (>$2,500) with primarily <36% APR Southern Management Company ("SMC") underwrites small loans (<$2,500) with primarily >36% APR Provides attractive, easy-to-understand secured and unsecured installment loan products to near- prime and non-prime consumers as well as credit insurance and other ancillary financial products CURO acquired Heights Finance in December 2021 SOUTHERN FINANCE Apply Now Covington QUICK CREDIT Credit H FINANCE#15■ M ■ Heights Finance Overview Founded in 1953 (~70-year track record) Headquartered in Greenville, South Carolina Heights offers loans and related insurance products to consumers with limited access to traditional credit Installment Loans: ■ m Secured: Collateralized by assets with a NADA-verifiable value Fee-Based Products: . Unsecured: Includes loans collateralized by household goods in addition to signature loans Insurance: Includes Credit Life and Disability, Involuntary Unemployment, Personal Property Collateral, Non-File and Collateral Protection Plans Other: Auto Security Plan provides various membership benefits Heights Large loan stats as of June 30, 2022 144 Branches 7 States >$335M Annual Originations $300M Receivables ~90,000 Customers BRANCH LOCATIONS 20 21 ILLUSTRATIVE Repayment: 32 21 Average Term: Average Loan Balance: Average FICO: HEIGHTS FINANCE 18 22 LARGE LOAN TERMS Heights Finance First Heritage Loan Product: Fixed Rate 10 619 Installment Loan Fully Amortizing Monthly P&I 41 Months $4,052 15#16Heights Finance Management Team Doug Clark President of North American Direct Lending Gary Fulk President Dan Niemiec Chief Risk Officer Dwayne Bryant Chief Legal Officer ■ W · M - m HFINANCE Joined Heights in 2020 16 years at Axcess Financial in both CEO role (2016-2020) and COO role (2004- 2016) 16 years at Chiquita Brands International in a variety of financial and operating roles ■ Joined Heights in 2019 Previously Deputy Chief Risk Officer at Regional Management, VP and Senior Portfolio Manager at JP Morgan m Joined Heights in 2020 Previously SVP, Senior Managing Director at OneMain Financial (2 years), VP Director of Operations at OneMain Financial (2 years), Springleaf Financial Services (9 years), American General Finance (13 years) ■ Joined Heights in 2020 Previously Managing Director and Senior Division Counsel at Womble Bond Dickinson; General Counsel at Guardian Building Products; Financial Advisor at Edward Jones; VP, GC and Secretary at BI-LO 16#17Deep compliance culture with benefit of CURO'S experienced compliance team Loyal customer base with average client relationship of four years 70+ year track record in consumer lending H HEIGHTS FINANCE Consistent growth and earnings generating portfolio Underwriting rigor rooted in bank standards from former bank owners and supplemented by CURO's Risk Analytics Management team from OneMain, Axcess Financial, Regional Management Heights Finance Company Highlights 17#18Heights Large Loan Typical Customer Average Years On Current Job 8.4 Average Monthly Net Income $2,600 Average Age 50 Average FICO 619 Home Ownership 46% Ⓡ SD MANA FOR 18#19Large Addressable US Consumer Market Remains Underserved Large Total Addressable Market ▪ 68% of American adults could not cover an emergency expense of $400 without assistance (¹) U.S. Population by FICO Band (3) 123 23.30% > 800 23.10% 1750 - 799 16.40% 700 - 749 May 2022 Federal Reserve System Board of Governors Report on the Economic Well-Being of U.S. Households in 2021 TransUnion Credit Industry Insights Report (Q2 2022) April 2021; FICO Favorable Customer Trends ■ Non-prime unsecured personal loan balances increased 92.4% from Q2-21 to Q2-22 (2) ▪ This recent increase has driven the distribution of non- prime loans (as a % of total unsecured personal loans) to its highest level since 2018 (2) 13.00% 650 - 699 9.20% 600 - 649 7.10% 1550-599 5.40% 500 - 549 3.00% < 500 The average Heights customer predominantly sits within these five FICO bands, which represent ~25% of the U.S. population 19#20Origination & Underwriting Process Flow Loan Approval Process (excluding Live Checks): Loan products are offered and priced based upon the risk profile of each customer including ability to repay Exceptions are handled by our Central Underwriting Team Branches Application Process Review Collateral Options and Ability to Repay (Underwriting) Exceptions/High Risk Applications sent to Central Underwriting Large Loan Central Underwriting (for exceptions) Quality Control Reviews Review Collateral Options and Ability to Repay (Underwriting) Large Loan Only Decision/Loan Approval HFINANCE Decision/Loan Approval Loan Closing and Funding 20#21Underwriting Criterion Application Review Character Capacity Collateral Verifications Identification Residence ▪ Employment Income Ability to Repay Net Disposable Income Underwriting Guidelines Collateral Options Secured - Titled Unsecured (may include certain personal property) 21#22Servicing Process Miss Pay . Branch Servicing 30 60 90 Contact customer to make payment arrangements on past due account Depending on circumstances, branches can offer customer assistance tools AD ASTRA RECOVERY SERVICES, INC. Customer assistance tools are reviewed by Central Operations to ensure eligibility guidelines are followed 120 Centralized Servicing Ad Astra is CURO's in-house collections and debt recovery provider for late-stage delinquencies 180+ HFINANCE 100% of large loans 121+ days are serviced through a centralized environment with a predictive dialer Ad Astra was formerly CURO's third-party collection service and was acquired by CURO in January 2020 Charge Off Recovery BBB Rating & Accreditation ACCREDITED BUSINESS BBB Accredited Since: 11/15/2016 Years in Business: 15 R A- 22#23CCURO 23