Transforming Customer Experience Investor Day December 14, 2017 - PowerPoint PPT Presentation

Transforming Customer Experience Investor Day December 14, 2017

Preliminary Statements Forward Looking Statements This document contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements. Actual results for future periods may differ materially from those expressed or implied by these forward-looking statements due to a number of uncertainties and other factors, including operating risks, liquidity risks, legislative or regulatory developments, market factors and current or future litigation. For a discussion of these and other factors affecting the company’s business and prospects, see the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. The company undertakes no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. Other Information This information should be read in conjunction with, and not in lieu of, the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. Those reports contain important information about the company’s business and performance, including financial statements prepared in accordance with U.S. generally accepted accounting principles, as well as a description of the important risk factors that may materially and adversely affect our business, financial condition or results of operations. All market comparisons are based on available information from similar publicly traded companies. 2

Company Overview KEY STATISTICS EZCORP is a leading provider of pawn loans in the IPO Date 8/27/1991 United States and Latin America. At our pawn stores Headquarters Austin, TX we also sell merchandise, primarily collateral forfeited Market Capitalization from pawn lending operations and used merchandise $413m to $672m (52 Week Range as of 12/11/17) purchased from customers Share Price $7.60 to $12.35 (52 Week Range as of 12/11/17) 43% of EZCORP total pawn stores are now in Latin Convertible Debt Due 2019 Bond Price America, specifically Mexico, Guatemala, El Salvador, 92 to 103 (52 Week Range as of 12/11/17) Honduras, and Peru. EZCORP has acquired 133 pawn Convertible Debt Due 2024 Bond Price stores in Latin America in Q1FY18 101 to 140 (Range from July 2017 offering completed) Total Revenue in FY17 $748.0m EZCORP Pawn Store Count Profit Before Tax in FY17 $43.2m 12/11/17 Institutional Holdings 88% Latin Index inclusion: America Russell 2000, S&P SmallCap 600, Pawn 43% S&P 1000, NASDAQ Composite PAWN STORE LOCATIONS as of 12/11/17 U.S. Pawn United States 513 57% Latin America 382 FINANCIAL SERVICES LOCATIONS as of 12/11/17 Cash Max in Canada 27 3

EZCORP and FirstCash Share Price “ To be the market leader in North America, within three years, in responsibly and respectfully meeting our customer’s desire for access to cash when they want it .“ Stuart Grimshaw, Chief Executive Officer of EZCORP, Inc. July 29, 2015 EZCORP announced transformational customer focused 3-year strategic plan in July 29, 2015 FirstCash EZCORP 4

Successful Execution of Business Transformation Initiated deployment INITIATIVES TO DRIVE of upgraded POS CONTINUED Acquired 133 stores in Latin America in Q1FY18 PROFIT GROWTH Opened ten stores in Mexico in FY17. 1. Geographic diversity and Plan to open ten stores in Mexico in FY18 larger scale with 43% of total Store incentive pawn stores now in Latin plans re-aligned to operating America contribution 2. Significant runway for Favorable restructuring of note receivable continued store openings and 6 U.S. pawn stores repayment arrangement complementary acquisitions acquired in Q2FY16 with AlphaCredit Convertible debt due 2024 issued in 3. Transforming customer July 2017; liquidity and debt maturity experience profile improved Procurement 4. System driven transformation is opportunities identified Sold Grupo Finmart underway Investment in field management enabling Mexico Buy/Sell more coaching & mentoring 5. Tracking toward annual business closed corporate expense of $50m in FY18 Closed 25 underperforming 25 Pawn Stores pawn stores in U.S. acquired in FY15 and Mexico in FY15 Initiated store Renewed Executive refresh program U.S. Financial Services Leadership Team including business closed CEO and President of Pawn NOV 2017 JULY Transformational customer focused 2015 3-year strategic plan released 5

Transforming Customer Experience Initiated deployment INITIATIVES TO DRIVE • Streamlined workflow of upgraded POS CONTINUED • Speed and scale deployments Acquired 133 stores in Latin America in Q1FY18 PROFIT GROWTH Opened ten stores in Mexico in FY17. Plan to open ten stores in Mexico in FY18 1. Geographic diversity and • Predictive analytics larger scale with 43% of total Store incentive pawn stores now in Latin • Big data plans re-aligned to operating America contribution 2. Significant runway for Favorable restructuring of note receivable continued store openings and 6 U.S. pawn stores repayment arrangement complementary acquisitions acquired in Q2FY16 with AlphaCredit Convertible debt due 2024 issued in 3. Transforming customer July 2017; liquidity and debt maturity experience profile improved Procurement 4. System driven transformation is opportunities identified Sold Grupo Finmart underway Investment in field management enabling Mexico Buy/Sell more coaching & mentoring 5. Tracking toward annual business closed corporate expense of $50m in FY18 Closed 25 underperforming 25 Pawn Stores pawn stores in U.S. acquired in FY15 and Mexico in FY15 Initiated store refresh program Renewed Executive U.S. Financial Services Leadership Team including business closed CEO and President of Pawn • Access to new data sets NOV 2017 • Low capital intensity JULY Transformational customer focused 2015 3-year strategic plan released 6

Outstanding EBITDA Growth Proven Pawn Expertise and Market Leading Same Store PLO Growth and Disciplined Execution Driving Expense Control Driving U.S. EBITDA Growth Outstanding Results in Growth Market EBITDA Growth EBITDA Mexico Pawn EBITDA Consolidated EBITDA U.S. Pawn $116.5 $113.5 $106.7 $88.5 $63.9 $48.2 $20.6 $15.7 $9.4 FY15 FY16 FY17 FY15 FY16 FY17 FY15 FY16 FY17 EBITDA/Net EBITDA/Net EBITDA/Net 23% 30% 35% 12% 15% 23% 31% 31% 31% Revenue Margin Revenue Margin Revenue Margin # of Pawn Stores 232 239 246 # of Pawn Stores 522 520 513 Geographic Diversification and Significant Growth Potential in Latin America EZCORP Pawn Store Count 12/11/17 Latin America Stores on 43% of EZCORP total pawn stores are in Latin America as of December 4, 9/30/17 2017, specifically Mexico, Guatemala, El Salvador, Honduras, and Peru 28% Acquired U.S. Pawn and built 57% stores in LatAm in Acquired 133 pawn stores and built three pawn stores in Latin America in Q1FY18 Q1FY18 15% Amounts in this slide are in millions and are adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, other discrete items and constant currency. Mexico Pawn excludes closed buy/sell business. 7 See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.”

Market Leading U.S. Same Store PLO Growth With Strong Operating Leverage U.S. PAWN Strong Same Store PLO growth and EZCORP has achieved eight consecutive quarters of expense control driving U.S. operating leverage market leading U.S. Pawn Same Store PLO growth YOY EZCORP Net Revenue and Profit Before Tax Same Store PLO Growth Two-Year Stacked YOY Growth YOY Growth EZCORP FirstCash Amounts in this slide are adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, and other discrete items. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.” Weighted average based on available information from each company’s public filings. This information may be determined or calculated d ifferently 8 by companies, limiting the usefulness of these measures for comparative purposes.

Significant Compound PLO Growth Drives Profit MEXICO PAWN Significant Same Store PLO growth and EZCORP has achieved 13 consecutive quarters of expense control driving Mexico operating leverage Mexico Pawn double-digit Same Store PLO growth YOY EZCORP Net Revenue and Profit Before Tax Same Store PLO Growth YOY Growth Two-Year Stacked YOY Growth EZCORP FirstCash Amounts in this slide are adjusted for discrete items and constant currency. Excludes closed Mexico buy/sell business. Mexico PLO balance both increased and decreased over the same period on a GAAP basis. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.” Weighted average based on available information from each company’s public filings. This information may be determined or calculated d ifferently by companies, limiting the usefulness of these measures for comparative purposes. * Excludes $0.5m looting expense; the impact of looting in 12 stores in January 2017 reduced revenue through stolen pawn loan collateral and 9 inventory effecting PSC and sales in addition to $0.5m in expenses.