CURO Group Holdings Credit Presentation Deck

CURO'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

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