CURO Group Holdings Credit Presentation Deck

Servicing 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

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