CURO Group Holdings Credit Presentation Deck

Origination & 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

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