October 2018 :: Stephens Fall Investment Conference

Disclaimer IMPORTANT: You must read the following information before continuing to the rest of the presentation. This presentation has been prepared by CURO Group Holdings Corp. and its subsidiaries (collectively, “we,” “us” or the “Company”) and is being provided to you for informational purposes only. Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements include statements related to our belief that we have significant and multiple growth opportunities with sustainable competitive advantages; out belief that market trends favor our business; our expectations regarding our new product offerings and geographic expansions; our expectations for our Canada Open-end product; and our expectations as to future financial and operational performance. In addition, words such as “as “guidance,” “estimate,” “anticipate,” “believe,” “forecast,” “step,” “plan,” “predict,” “focused,” “project,” “is likely,” “expect,” “intend,” “should,” “will,” “confident,” 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 and judgments, including our ability to successfully execute on our business strategy; our ability to take advantage of market trends; and our ability to accurately predict our future financial results. These assumptions and judgments may prove to be inaccurate in the future. These forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. There are important factors beyond our control that could cause the Company’s actual results to differ materially from those in the forward-looking statements. These factors include: our level of indebtedness; 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 ability to protect our proprietary technology and analytics and keep up with that of our competitors; disruption of our information technology systems that adversely affect our business operations; ineffective pricing of the credit risk of our prospective or existing customers; inaccurate information supplied by customers or third parties would could lead to errors in judging customers’ qualifications to receive loans; improper disclosure of customer personal data; failure of third parties who provide products, services or support to us; any failure of third-party-lenders upon whom we rely to conduct business in certain states; disruption to our relationships with banks and other third-part electronic payment solutions providers; disruption caused by employee or third-party theft and errors in our stores as well as other factors discussed in our filings with the Securities and Exchange Commission. Given these risks and uncertainties, investors should not place undue reliance on forward-looking statements as a prediction of actual future results. The forward-looking statements herein speak only as of the date hereof. Except as required by law, we undertake no obligation to update, amend or clarify any forward-looking statement for any reason. Non-GAAP Financial Measures In addition to the financial information prepared in conformity with U.S. GAAP, we provide in this presentation certain “non-GAAP financial measures,” including: Adjusted Net Income (Net Income minus certain non-cash and other adjusting items); Adjusted EBITDA (EBITDA plus or minus certain non-cash and other adjusting items); Gross Combined Loans Receivable (includes loans originated by third-party lenders through CSO programs which are not included in our consolidated financial statements); and Adjusted Return on Average Assets. Such measures are intended as a supplemental measure of the Company’s performance that are not required by, or presented in accordance with, GAAP. The Company presents Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets because it believes that, when viewed with the Company’s GAAP results and the accompanying reconciliation, such measures provide useful information for comparing the Company’s performance over various reporting periods as they remove from the Company’s operating results the impact of items that the Company believes do not reflect its core operating performance. Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets are not substitutes for net earnings, cash flows provided by operating activities or any other measure prescribed by GAAP. There are limitations to using non-GAAP measures such as Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets. Although the Company believes that Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets can make an evaluation of its operating performance more consistent because they remove items that do not reflect its core operations, other companies in the Company’s industry may define Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets differently than the Company does. As a result, it may be difficult to use Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets to compare the performance of those companies to the Company’s performance. Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets should not be considered as measures of the income generated by the Company’s business or discretionary cash available to it to invest in the growth of its business. The Company’s management compensates for these limitations by reference to its GAAP results and using Adjusted Net Income, Adjusted EBITDA, Gross Combined Loans Receivable and Adjusted Return on Average Assets as supplemental measures. A reconciliation of Adjusted EBITDA to net income can be found on slide 32 of this presentation. A reconciliation of Adjusted Net Income to net income can be found on slide 33 of this presentation. A reconciliation of Adjusted Return on Average Assets to total assets can be found on slide 31. The presentation is confidential and may not be reproduced, redistributed, published or passed on to any other person, directly or indirectly, in whole or in part, for any purpose. This document may not be removed from the premises, and by accepting this document and attending the presentation, you agree to be bound by the foregoing limitations. If this document has been received in error it must be returned immediately to the Company. 2

Total senior leadership team has over a century of collective industry experience Prior Experience Don Gayhardt 28 years of executive President & Chief management experience in Executive Officer the short-term credit industry 16 years of industry Bill Baker experience; led the launch of Executive Vice the Company’s digital President & Chief business and the Operating Officer development of the risk and analytics function Roger Dean 25 years of industry Executive Vice experience in banking, President & Chief financial services and Financial Officer capital markets 3

Recent Developments . December 2017: Completed IPO of common stock to raise $93.3 million Capital markets gross proceeds (6,666,667 shares at $14 / share) . May 2018: Completed secondary offering by shareholders of 5,000,000 transactions existing shares . August 2018: Closed on $690 million 8.25% Senior Secured Notes due 2025 and closed new CAD $175 million SPV facility . March 2018: Used a portion of the net proceeds from IPO to redeem Redemption of $77.5 million of 12.00% Senior Secured Notes due 2022 outstanding debt . August 2018: Used net proceeds from Senior Secured Notes due 2025 to fully retire 12.00% Senior Secured Notes due 2022 and entirety of U.S. SPV facility, generating $20 million+ expected annual interest savings on the refinanced debt . April 2018: CURO and MetaBank announce agreement to offer Bank partnership consumers an innovative line of credit product; opportunity to significantly expand U.S. addressable market . MetaBank commits to fund and hold up to $350 million of loans on its balance sheet . Net loan revenue subjected to NASDAQ:CASH ‘waterfall’ that is shared . Significant U.S. market expansion opportunity Growth with . Accelerating transition to line of credit product offerings in Canada . Continued to grow with newer brands including: newer brands – U.S.: Avio Credit, Verge Credit Powered by MetaBank, Revolve Finance – Canada: LendDirect – U.K.: Juo Loans 4

CURO At a Glance Business Overview Large Geographic Footprint . Founded in 1997, CURO is a tech-enabled, multi-channel Store and multi-product consumer finance company serving a Online wide range of underbanked consumers in the U.S., Both Canada and the U.K. and a market leader in the industry British No Presence Alberta* Manitoba based on revenues Columbia* – Strong position in each of its markets New Brunswick Saskatchewan* – Rapidly gaining market share in a large Ontario* WA* fragmented market ND Nova Scotia* . Dominant storefront presence with 411 total locations OR ID WI RI – United States: 213 stores in 14 states WY OH – Canada: 198 stores in 7 provinces and territories NV* IL* UT VA . Large online lending presence CA* CO KS* MO* TN* OK SC – United States: 27 states AZ* NM AL* – Canada: Alberta, Nova Scotia, Ontario, MS* U.K.* Saskatchewan and British Columbia AK TX* LA* HI – United Kingdom Strong Brands Product and Channel Distribution (% of 9/30/18 QTD Revenue) (% of 9/30/18 QTD Revenue) Ancillary Single-Pay 4.4% (Non-US) 9.0% Single-Pay (US) Online Unsecur 53% 9.8% ed 47% Installm Stores Open-End ent 14.2% 52.5% Secured Installment 10.1% 5

Key Investment Highlights Leading large scale lender to underbanked consumers with track record of profitability across credit cycles with over 20 years of history Omni-channel platform, geographic footprint and diverse revenue base drive profitability and performance of business Large and growing addressable market that is underserved by traditional finance companies and banks Dynamic marketing strategy and proprietary analytics fuel customer growth and optimize customer acquisition cost Significant growth opportunities with sustainable competitive advantages 6

Leading Large Scale Lender(1) To Underbanked Consumers With Track Record Of Profitability Across Credit Cycles 1997 – 2007 2008 – 2013 2014 – Present Focused branch development in Channel, product and Broad product diversification U.S. geographic diversification and brand development; omni- channel . Company founded with first . Began offering installment . Installment loan and open-end location in Riverside, loans credit product expansion California . Launched analytical brand . Launched online lending . Mobile optimized sites and marketing platforms apps . Expanded into additional . International expansion to . Refined best-in-class omni- states Canada and the U.K. channel platform Bespoke IT platform Raised over $2 billion of debt $16.5 billion of total credit development financing since 2008 extended since 2010 7 (1) Leading large-scale lending in terms of revenue.

Omni-Channel Platform Supports “Call, Click or Come-In” Source customers from a broad base with high retention rates Storefront Digital / Mobile Category-killer stores promote brand awareness Synergistic lead funnel for storefront channel Distinctive and recognizable branding Enhances customer experience Convenient locations typically open 7 days per week Over 80% of web visitors are on mobile (1) Higher approval rates with better credit performance Site to store: over 145,000 loans in 2018 YTD (2) (1) Based on Q3 2018. 8 (2) New and reactivated customers

Comprehensive Product Offerings And Diversified Revenue(1) Unsecured Secured Open-End Single-Pay Installment Installment (Line of Credit) Online: KS,TN,ID,UT, Online & in-store: Online and in-store: Online & in-store: VA, DE, RI and Canada Channel 14 U.S. states, Canada 12 U.S. states, Canada 7 U.S. states In-store: KS,TN and and the U.K. and the U.K.(2) Canada Average Loan (3) (3) Size $647 $1,368 $1,094 $315 Revolving / Up to 60 months Up to 42 months Up to 62 days Duration Open-ended Average monthly Average monthly Daily interest rates ranging Fees ranging from $13 15.3% 11.6% Pricing interest rate(4) interest rate(4) from 0.13% to 0.99% to $25 per $100 borrowed Loans $287 million(3) $94 million(3) $184 million $81 million Receivable Q3 2018 QTD Consolidated Revenue Increasing Installment & Open-end Focus (% of revenue) (% of revenue) Installment & open-end 77% 76.8% 58% $283 Ancillary million 4.4% 19% Non-U.S. Single-pay 2010 2016 QTD 9.0% U.S. Q3 2018 Single-pay (1) As of 9/30/18. 9.8% (2) Online only in the U.K. 9 (3) Includes CSO loans. (4) Weighted average of the contractual interest rates for the portfolio as of 9/30/18. Excludes CSO.

Large Addressable Market Is Underserved Large Total Addressable Market Favorable Customer Trends . Combined estimated 140 million potential underbanked . 63% of respondents in a recent study do the majority of borrowers(1) banking online and 43% conduct transactions using a mobile banking app (4) . 44% of American adults could not cover an emergency . expense of $400 (2) Growing preference towards installment loan products . – Growth in funded online installment loans has increased 12% of credit-active Canadian adults are considered sub- nearly 500% since 2013 vs. online single-pay loans which (3) prime, in the 300-639 FICO score range have increased less than 100%(5) Providers of credit to U.S. population by FICO band(6) 19.0% 20.7% 17.1% 13.2% 10.0% 8.5% 6.8% 4.7% > 800 750–799 700–749 650–699 600–649 550–599 500–549 < 500 Specialized Banks Credit unions consumer lenders Marketplace Specialized Non-prime lenders consumer lenders Credit cards As many as 121 million Americans are Marketplace Credit Broker underserved by traditional finance companies lenders cards dealers (1) In the U.S., Canada and the U.K. (2) May 2018 Federal Reserve System Board of Governors Report on the Economic Well-Being of U.S. Households in 2017 (3) TransUnion (4) 2017 TSYS U.S. Consumer Payments Study 10 (5) Clarity Services Inc. 2018 Alternative Financial Services Lending Trends; 2013 indexed at 100 for comparative growth illustration; funded loan volume measure in dollars. (6) April 2017; FICO.

Market Trends Favoring CURO Underserved Market with Improving Financial Condition Meaningful Wage Growth for the Two Lowest Quintiles Improving Unemployment Second Quintile Annual Bottom Quintile Annual HH Income(1) ($ in 000s) HH Income(1) ($ in 000s) Second Quintile Lowest Quintile $35 $15 12% $34 $14 10% 8% $33 $13 6% $32 $12 4% $31 $11 2% $30 $10 0% 2005 2007 2009 2011 2013 2015 2017 2006 2008 2010 2012 2014 2016 2018 Source: Bureau of Labor Statistics. Source: Bureau of Labor Statistics. Consistently Rising U.S. Consumer Confidence Since 2009 140 120 100 80 60 40 20 0 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Source: FactSet. (1) Wages for 1st and 2nd Quintile Income Households in 2016 Real Dollars. 11

Market Trends Favoring CURO (Cont.) FRIDAY, AUGUST 3, 2018 Workers Hardest Hit by Recession Are Joining in Recovery The data echoed other positive economic news recently, including a report last week showing the economy grew by 4.1 percent in the second quarter. Over all in July, employers increased payrolls by 157,000, while the unemployment rate edged downward to 3.9 percent, near the 18-year low achieved in May. Other indicators suggest the recovery is finally extending its reach. The Labor Department’s broadest measure of unemployment, which includes workers forced to take part-time jobs because full-time positions are unavailable, fell to 7.5 percent in July, the lowest since 2001. The unemployment rate for those without a high school diploma fell to 5.1 percent in July, the Labor Department reported Friday, the lowest since the government began collecting data on such workers in 1992. “People feel good. They’re going out and spending more money,” he said. “In our segment, $50 feeds you and your family.” Nader Masadeh, CEO, Buffalo Wings & Rings Source: New York Times, 8/3/18. 12

Multi-faceted Marketing Strategy And Deep Data Analysis Technology and analytics drive risk-adjusted revenue growth and reduce Cost per Funded loan Integrated Global Marketing, Risk and Credit Analytics team consisting of 85 professionals Real time optimization of marketing spend using credit data Note: For U.S. loans. 13

Centralized Analytics And IT Platform Optimize loss rates Continuous and minimize model effective customer updates acquisition costs 15+ years of customer data Over 78 million applications Structured, proprietary model development and 176 IT professionals and 85 Marketing, Monitor operational changes Risk and Analytics professionals deployment process to address short-term changes to risk environment Third-party reporting +11,000 potential risk analytic– variables Advanced data $16.5 billion relevancy techniques 42.4 million total credit total loans extended since since 2010 2010 Installment and open-end products require more stringent credit criteria supported by more sophisticated analytics Note: Data as of 9/30/18. 14

Multiple Opportunities For Continued Significant Growth CURO has developed a growth-oriented financial technology platform Capital • Ongoing alignment of financing mix to support future growth positioned to capitalize on Structure • August 2018 refinancing extends maturities numerous growth Optimization and reduced interest expense opportunities • Further reduce customer acquisition cost Operational • Continued improvement in credit performance Enhancement • Further expand installment loan offerings in U.S. & Canada Geographic • Expansion of LendDirect in Canada; pilot stores opened Q4 2017 Expansion • Continue to explore opportunities in new high-growth markets New • New online installment loan brand, Avio Credit Product • New online guarantor loan product in the U.K. under new Juo Loans brand Offerings • Bank partner line of credit offerings in U.S. with MetaBank Efficient • Continue to drive more customer growth in existing products / geographies Customer • Data driven, cost-efficient acquisitions strategy Acquisition • Increase prescreen direct-mail program and add to affiliate network 15

Canada Open-end Overview Open-End Product Financial Features Q3 2018 Ontario Roll-out Statutory cap at Yield 48% Transitioned 38,611 customers to line of approximately credit loans in Ontario including 4,175 new customers Insurance Optional product with 60 – 70% product expected take rate of Open-end product is stickier over time than Single Pay Including insurance revenue, Over six months, customer retention of ~80% Total Return expected return on assets of 60 – 65% versus single pay retention of ~60% Once mature, portfolio Net charge off charge-off rates expect to 25 – 30% Pilot markets have returned to low-to-mid rate drop from 35 – 40% to 20% AEBITDA margins; would expect same Compared to CAN to higher in Ontario market Allowance Unsecured Installment 9 – 10% coverage 7 – 8% coverage, target $10m Open-end Origination Vintage - Cumulative Net Revenue $1,500,000 Customer preference for open-end product $1,000,000 versus installment due to redraw and upsize $500,000 $- potential without re-loan process $(500,000) $(1,000,000) Primary Canada competition is traditional $(1,500,000) installment so product differentiator $(2,000,000) $(2,500,000) Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 16

Transition To Multi-Pay Loans In Canada Beginning In 2016 ($Millions) Gross Combined Loans Receivable 450% Single Pay Gross AR Multi Pay Gross AR Single Pay Yield Multi Pay Yield 400% $194 350% 300% 250% $122 $105 $91 $99 $103 $157 200% $75 150% $67 $49 $52 $54 $49 $52 $43 $75 $2 $2 $23 $32 100% $47 $50 $48 $50 $53 $49 $47 50% $44 $43 $36 0% Q2'16 Q3'16 Q4'16 Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 Q2'18 Q3'18 Windsor, Ontario Pilot began in February 2018 – Why We Accelerated First-Pay-Defaults of 5.3% - overall credit improving and 4,469 single-pay loans ($2.8 million in balances) in line with expectations 2,952 of the loans were converted to Open-End Total open loan counts have increased 57% – $6.2 million in resulting balances Unique customers have increased 28% – $2,080 average drawn; $2,466 average credit line 17

Financial Summary 18

Financial Results At A Glance ($Millions) Gross Combined Loans Receivable Q3 2018 was highlighted by 39.1% YOY loan growth and LTM Adjusted . Grew $181.9 million (+39%) vs. Q3 2017 EBITDA was $221.1 million . Increased sequentially from Q2 2018 by 26% ($132.7 million) due to Canada Open-end 9 months ended 3 months ended volume ($71.5 million and U.S. demand September 30, September 30, ($61.2 million) Q2 2018 YTD performance commentary ($ in millions) 2018 2017 Growth % 2018 2017 Growth % Revenue Revenue $793.7 $696.6 13.9% $283.0 $255.1 10.9% . Led by Unsecured and Secured Installment revenue growth vs. YTD Q3 2017 of 18.0% and 10.8%, respectively Gross margin $253.6 $257.1 (1.3%) $64.0 $80.4 (20.4%) . Open-End revenue grew 81.0% vs. YTD Q3 2017 on organic growth in the U.S. and introduction of Open-End products in Virginia Adjusted EBITDA(1) $162.2 $173.3 (6.4%) $38.4 $51.4 (25.3%) and Canada Gross Margin Adj. net income(1) $64.7 $59.4 9.1% $10.9 $14.2 (23.0%) . Upfront loss provisioning on elevated loan growth (year-over-year and sequentially) compressed net revenue margin. Q3 credit quality improved year-over-year 2018 Full Year Guidance Provided October 24, 2018 (3) . Advertising spend increased 44.5%, or $15.8 million, vs. YTD Q3 2017 to support organic . Revenue in the range of $1.090 billion to $1.095 billion growth and new products in the U.S. and . Adjusted Net Income in the range of $88 million to $91 million Canada . Adjusted EBITDA in the range of $215 million to $218 million . Non-advertising cost of providing services increased 2.1% vs. YTD Q3 2017 . Estimated tax rate of 25% to 27% for the full year . Corporate Expenses(2) Adjusted Diluted Earnings per Share of $1.84 to $1.88 . Grew 10.1% vs. same period in 2017 on investment in analytics and IT talent and public- (1) Refer to slides 32 and 33 for reconciliation of Adjusted EBITDA and Adjusted Net Income to their closest GAAP measures, Net Income. (2) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018. company costs (3) Adjusted earnings guidance, a non-GAAP measure, excludes $11.7 million of debt extinguishment costs from the retirement of $77.5 million of the 12.00% Senior Secured Notes due 2022 in the first quarter of 2018, $71.0 million of such costs from the retirement of the remaining $527.5 million of these notes in the third quarter of 2018, $10.0 million of debt extinguishment costs expected relating to the repayment in full of the US SPV Facility in the fourth quarter of 2018, third and fourth quarter 2018 U.K. customer redress costs, $1.2 19 million of tax expense related to the 2017 Tax Act and $1.2 million of net benefits from adjustment of legal settlement liabilities, stock- based compensation and intangible asset amortization.

Historical Financial Summary Gross Combined Loans Receivable quarterly comparison(1) ($Millions) Unsecured Installment Open-end Secured Installment Single-pay CSO $647 $79 $514 $512 $81 $465 $447 $69 $79 $412 $91 $71 $57 $90 $363 $354 $62 $99 $303 $95 $87 $58 $286 $266 $68 $85 $91 $184 $89 $59 $53 $80 $85 $80 $45 $90 $76 $48 $91 $95 $32 $52 $96 $67 $91 $63 $27 $26 $56 $31 $52 $212 $51 $196 $182 $179 $28 $156 $171 $26 $27 $131 $102 $53 $58 $66 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 (1) Gross combined loans receivable is sum of Company-owned gross loans receivable and gross loans receivable guaranteed by the Company. 20

Net Charge-off Rates Improvement Q3 Year-over-Year NCO Rates by Country – All Products 25.0% 20.0% Improved for all three countries 15.0% 10.0% 5.0% 0.0% U.S. Canada U.K. Consolidated Q3 2017 Q3 2018 Consolidated Quarterly NCO Rate by Product 60.0% 50.0% Stable or improved for all 40.0% products except Secured Installment 30.0% Unsecured Installment improved 20.0% in each country but higher in 10.0% total on mix shift 0.0% Unsecured Secured Open-end CSO Single-Pay Total Installment Installment Q3 2017 Q3 2018 21

Consolidated Summary Balance Sheet ($Millions) December 31, ($ in millions) 2015 2016 2017 September 30, 2018 Cash $ 100.6 $ 193.5 $ 162.4 $ 153.4 Restricted cash 11.8 7.8 12.1 24.2 Gross loans receivable 252.2 286.2 432.8 567.7 Less: allowance for loan losses (32.9) (39.2) (69.6) (76.1) Loans receivable, net 219.3 247.0 363.2 491.6 PP&E net 99.7 95.9 87.1 79.8 Goodwill and intangibles 177.7 172.5 178.4 177.2 Other assets 57.0 64.1 56.5 69.6 Total assets $ 666.0 $ 780.8 $ 859.7 $ 995.7 Senior notes $ 561.7 $ 538.4 $ 585.8 $ 677.2 ABL facilities - 86.5 120.4 191.0 Other liabilities 123.7 115.0 146.4 117.7 Total liabilities $ 685.4 $ 739.9 $ 852.6 $ 985.9 Total stockholders' equity / (deficit) $ (19.4) $ 40.9 $ 7.1 $ 9.9 LTM adjusted ROAA (1) 3.7% 9.2% 9.6% 9.1% LTM adjusted earnings $24.7 $66.4 $79.1 $84.4 Debt / LTM adjusted EBITDA (1) 4.3x 3.3x 3.0x 3.9x Net Debt / LTM adjusted EBITDA (2) 4.3x 2.8x 2.5x 3.1x Revised debt structure generates $20 million + annual savings on New Senior Notes versus Old Senior Notes + U.S. SPV Note: Debt balances are reflected net of deferred interest costs. Subtotals may not sum due to rounding. (1) Refer to slides 32 and 33 for reconciliation of Adjusted EBITDA and Adjusted Net Income to their closest GAAP measures, Net Income. 22 (2) Net Debt excludes U.S. and Canada SPV debt.

U.S. Results ($Thousands) 9 Months Ended 3 Months Ended 9/30/2018 9/30/2017 9/30/2018 9/30/2017 Actual Actual Variance Actual Actual Variance Gross revenue 617,992 531,912 16.2% 223,273 193,826 15.2% Provision 239,576 180,658 32.6% 103,256 79,506 29.9% Net revenue 378,416 351,254 7.7% 120,017 114,320 5.0% Net Revenue Margin 61.2% 66.0% -7.3% 53.8% 59.0% -8.9% Advertising 35,200 24,596 43.1% 17,632 12,005 46.9% Advertising as % of Revenue 5.7% 4.6% 23.2% 7.9% 6.2% 27.5% Other cost of services 127,719 125,304 1.9% 42,280 41,213 2.6% Corporate, district and other (1) 81,113 78,299 3.6% 22,360 25,257 -11.5% Adjusted EBITDA (2) 149,297 139,804 6.8% 41,974 40,203 4.4% Adjusted EBITDA Margin 24.2% 26.3% -8.1% 18.8% 20.7% -9.4% U.S. Performance Overview . Sequential loan growth for Unsecured Installment was significantly higher than same quarter in prior year which lead to higher provisioning . Open-end NCO rate rose sequentially and year-over-year due to increased credit lines in seasoned markets based on vintage return analysis (results in short term provision increase with expected net positive returns) and immature Virginia market . CSO NCO rates improved year-over-year but rose sequentially on seasonal trends; prior year included impacts of Hurricane Harvey so improvements were anticipated, but expected better than the realized 124 bps improvement excluding hurricane impact Note: Subtotals may not sum due to rounding. 23 (1) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018. (2) Refer to slide 35 for reconciliation of Adjusted EBITDA to its closest GAAP measures, segment Operating Income.

U.S. Outlook ($Thousands) Nine Months Full Year Full Year September 30, Guidance (1) ($ in thousands) 2017 2018 2018 Gross revenue $ 737,729 $ 617,992 $ 847,515 Provision 267,491 239,576 346,848 Net revenue 470,238 378,416 500,667 Net Revenue Margin 63.7% 61.2% 59.1% Advertising 36,148 35,200 51,214 Advertising as % of Revenue 4.9% 5.7% 6.0% Other costs of services 166,875 127,719 170,257 Corporate, district and other (2) 120,803 81,113 108,418 Adjusted EBITDA (3) $ 180,125 $ 149,297 $ 191,430 Implied from mid-point of guidance provided 10/24/18 Adjusted EBITDA Margin 24.4% 24.2% 22.6% AEBITDA / RAR 38.3% 39.5% 38.2% 2019 Preliminary Outlook Loan growth 6% - 8% Revenue growth 6% - 8% Net revenue margin 57% - 58% Advertising as % of Revenue 5.5% - 6.5% AEBITDA growth 6% - 9% Note: Subtotals may not sum due to rounding. (1) At the mid-point in implied 4th quarter. 24 (2) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018. (3) Refer to slide 35 for reconciliation of EBITDA and Adjusted EBITDA to its closest GAAP measures, segment Operating Income.

Canada Results ($Thousands) 9 Months Ended 3 Months Ended 9/30/2018 9/30/2017 9/30/2018 9/30/2017 Actual Actual Variance Actual Actual Variance Gross revenue 139,502 135,819 2.7% 46,209 50,658 -8.8% Provision 51,346 36,246 41.7% 24,436 15,718 55.5% Net revenue 88,156 99,573 -11.5% 21,773 34,940 -37.7% Net Revenue Margin 63.2% 73.3% -13.8% 47.1% 69.0% -31.7% Advertising 9,147 6,944 31.7% 3,717 2,899 28.2% Advertising as % of Revenue 6.6% 5.1% 28.2% 8.0% 5.7% 40.6% Other costs of services 50,718 46,718 8.6% 17,567 16,392 7.2% Corporate, district and other (1) 14,791 12,407 19.2% 5,135 4,660 10.2% Adjusted EBITDA (2) 17,148 36,239 (3,390) 11,977 Adjusted EBITDA Margin 12.3% 26.7% -7.3% 23.6% Canada Performance Overview . Phase 2 of Ontario regulatory changes became effective July 1, 2018. Further reduced rate cap and other restrictions affected attractiveness of Single Pay for customers that could qualify for an alternative multi-pay product. . Accelerated Open-end rollout in Ontario beginning in July 2018 initially focused on conversion of existing single pay customers followed by acquisition of new customers. Transition and launch exceeded expectations for new customers and conversions. . Product conversion resulted in sequential AEBITDA dilution due to: . Upfront provision build on Open-end . Reduced higher-yielding Single Pay . Lower remaining Single Pay yield due to rate reductions . Higher advertising spend in the short term Note: Subtotals may not sum due to rounding. 25 (1) Refer to slide 35 for reconciliation of Adjusted EBITDA to its closest GAAP measures, segment Operating Income. (2) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018.

Canada Outlook ($Thousands) Nine Months Full Year Full Year September 30, Guidance (1) ($ in thousands) 2017 2018 2018 Gross revenue $ 186,408 $ 139,502 $ 190,399 Provision 45,075 51,346 72,523 Net revenue 141,333 88,156 117,876 Net Revenue Margin 75.8% 63.2% 61.9% Advertising 10,415 9,147 10,121 Advertising as % of Revenue 5.6% 6.6% 5.3% Other costs of services 62,968 50,718 67,116 Corporate, district and other (2) 16,952 14,791 19,193 Adjusted EBITDA (3) $ 54,629 $ 17,148 $ 26,206 Implied from mid-point of Adjusted EBITDA Margin 29.3% 12.3% 13.8% guidance provided 10/24/18 AEBITDA / RAR 38.7% 19.5% 22.2% 2019 Preliminary Outlook Loan growth 25% - 28% Revenue growth 15% - 17% Net revenue margin 62% - 64% Advertising as % of Revenue 4.5% - 5.0% AEBITDA growth 80% - 100% Note: Subtotals may not sum due to rounding. (1) At the mid-point in implied 4th quarter. 26 (2) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018. (3) Refer to slide 35 for reconciliation of EBITDA and Adjusted EBITDA to its closest GAAP measures, segment Operating Income.

U.K. Results ($Thousands) 9 Months Ended 3 Months Ended 9/30/2018 9/30/2017 9/30/2018 9/30/2017 Actual Actual Variance Actual Actual Variance Gross revenue 36,251 28,912 25.4% 13,522 10,635 27.1% Provision 16,618 9,619 72.8% 6,831 4,117 65.9% Net revenue 19,633 19,293 1.8% 6,691 6,518 2.7% Net Revenue Margin 54.2% 66.7% -18.8% 49.5% 61.3% -19.3% Advertising 7,077 4,059 74.4% 2,765 1,367 102.3% Advertising as % of Revenue 19.5% 14.0% 39.1% 20.4% 12.9% 59.1% Other costs of services 2,703 5,426 -50.2% 536 1,737 -69.1% Corporate, district and other (1) 18,390 13,091 40.5% 7,690 4,330 77.6% Adjusted EBITDA (2) (4,255) (2,780) (230) (752) Adjusted EBITDA Margin -11.7% -9.6% -1.7% -7.1% Note: Subtotals may not sum due to rounding. 27 (1) Corporate, district and other expense as defined in the Company’s Annual Report on Form 10-K filed on March 13, 2018. (2) Refer to slide 35 for reconciliation of Adjusted EBITDA to its closest GAAP measures, segment Operating Income.

Interest And Tax Outlook ($Thousands) Nine Months Full Year Full Year September 30, Guidance ($ in thousands) 2017 2018 2018 U.S. Interest Expense $ 82,495 $ 64,931 $ 79,554 Canada Interest Expense 201 1,298 3,548 Depreciation Expense 16,335 11,947 16,121 Amortization Expense 2,502 2,059 2,745 Adjusted Pre-tax Income (1) 134,412 87,047 Adjusted Tax Expense (1) 55,338 22,395 Adjusted Effective Tax Rate 41.2% 25.7% 25% - 27% 2019 Preliminary Outlook . U.S. interest expense run rate of $14m - $15m / quarter . Canada interest expense run rate of $2m - $3m / quarter . Depreciation run rate of approximately $4.7m / quarter . Effective tax rate of 25% to 27% 28 (1) Refer to slide 36 for reconciliation of Adjusted Pre-tax income and Adjusted tax expenses to their closest GAAP measures, Pre-tax income Tax expense.

Key Investment Highlights Leading large scale lender to underbanked consumers with track record of profitability across credit cycles with over 20 years of history Omni-channel platform, geographic footprint and diverse revenue base drive profitability and performance of business Large and growing addressable market that is underserved by traditional finance companies and banks Dynamic marketing strategy and proprietary analytics fuel customer growth and optimize customer acquisition cost Significant growth opportunities with sustainable competitive advantages 29

Appendix 30

Historical Consolidated Adjusted Return On Average Assets 2016 2017 2018 Q1 Q2 Q3 Q4 FY Q1 Q2 Q3 Q4 FY Q1 Q2 Q3 YTD Interest Income 111.1% 105.3% 115.0% 111.9% 109.5% 113.3% 115.8% 130.7% 126.6% 112.6% 122.0% 118.6% 119.2% 120.6% Provision 24.5% 32.8% 43.4% 43.1% 35.7% 33.0% 36.0% 53.0% 49.2% 39.8% 39.4% 45.8% 59.3% 48.8% Net Lending Margin 86.7% 72.5% 71.6% 68.8% 73.8% 80.3% 79.7% 77.7% 77.4% 72.8% 82.6% 72.8% 60.0% 71.7% Ancillary Revenue 6.0% 4.6% 5.1% 4.7% 5.0% 6.7% 3.7% 5.6% 5.1% 4.9% 5.3% 5.4% 5.5% 5.4% Net Revenue Margin 92.6% 77.1% 76.7% 73.5% 78.8% 87.1% 83.5% 83.2% 82.5% 77.7% 87.9% 78.2% 65.4% 77.2% Advertising Cost 3.9% 5.8% 6.7% 8.0% 6.1% 4.1% 6.4% 8.7% 8.1% 6.4% 4.8% 8.7% 10.6% 8.2% Other Cost of Product 34.2% 32.3% 32.2% 31.9% 32.2% 32.2% 31.9% 31.7% 29.0% 28.8% 30.0% 29.4% 26.6% 28.8% (1) Adjusted Corporate and District Expense 18.1% 17.4% 16.8% 14.6% 16.5% 16.2% 17.7% 17.5% 18.2% 16.1% 18.5% 17.8% 14.3% 16.9% (1) Adjusted Other Expense 0.0% -0.3% -0.1% 0.3% 0.0% -0.2% 0.3% 0.1% -0.1% 0.0% 0.0% 0.0% 0.0% 0.0% Interest Expense 9.4% 9.0% 9.0% 8.6% 8.9% 12.5% 10.2% 10.0% 10.9% 10.1% 10.8% 10.2% 10.3% 10.5% (1) Adjusted Tax Expense 10.5% 4.8% 4.7% 4.4% 6.0% 8.1% 6.7% 7.7% 6.8% 6.7% 6.5% 3.0% 1.3% 3.6% Adjusted Return on Assets 16.5% 8.0% 7.3% 5.8% 9.2% 14.2% 10.3% 7.6% 9.7% 9.6% 17.3% 9.0% 2.3% 9.4% 31 (1) Removes impact of items excluded for purposes of reporting non-GAAP Adjusted Net Income.

Historical Consolidated Adjusted EBITDA Reconciliation ($Millions) Nine Months Ending Sep. 30, TTM Ending ($ in millions) 2017 2018 9/30/17 9/30/18 Net Income $ 42.7 $ (7.8) $ 52.3 $ (1.3) Provision for Income Taxes 30.0 - 37.5 12.6 Interest Expense 60.7 66.2 76.9 88.2 Depreciation and Amortization 14.1 14.0 18.8 18.7 EBITDA $ 147.5 $ 72.5 $ 185.5 $ 118.2 Loss on extinguishment of debt (1) 12.5 80.9 12.5 80.9 Other Adjustments (2) (0.7) - (0.7) (0.5) Share-based compensation (3) 1.8 6.1 2.1 14.8 Transaction-related costs (4) 2.5 - 2.7 3.1 Legal settlement costs (5) 2.3 2.8 2.3 4.8 Restructuring costs (6) 7.4 - 8.0 - Adjusted EBITDA $ 173.3 $ 162.2 $ 212.4 $ 221.1 Adjusted EBITDA Margin 24.9% 20.4% 23.2% 21.4% Note: Subtotals may not sum due to rounding. (1) For the nine months ended September 30, 2018, the $80.9 million of loss on extinguishment of debt is comprised of (a) $11.7 million incurred in the first quarter of 2018 for the redemption of $77.5 million of the CURO Financial Technologies Corp.'s ("CFTC") 12.00% Senior Secured Notes due 2022 and (b) $69.2 million incurred in the third quarter of 2018 for the redemption of the remaining $525.7 million of these notes. The $69.2 million of third quarter loss on extinguishment is comprised of a $54.0 million make whole premium and $15.2 million of deferred financing costs, net of premium/discounts. An additional $3.0 million is included in related costs for the three and nine months ended September 30, 2018 for duplicative interest paid through September 30, 2018 prior to repayment of the remaining 12.00% Senior Secured Notes and the Non-Recourse U.S. SPV Facility. For the nine months ended September 30, 2017, the $12.5 million loss from the extinguishment of debt was due to the redemption of CURO Intermediate Holding Corp.'s ("CURO Intermediate") 10.75% Senior Secured Notes due 2018 and the 12.00% Senior Cash Pay Notes due 2017. (2) Other adjustments include deferred rent and the intercompany foreign exchange impact. Deferred rent represents the non-cash component of rent expense. Rent expense is recognized ratably on a straight-line basis over the lease term. (3) We approved the adoption of share-based compensation plans during 2010 and 2017 for key members of senior management. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period. (4) Transaction-related costs include professional fees paid in connection with potential transactions and the original issuance of $470.0 million of Senior Secured Notes due 2022 in the first quarter of 2017. (5) Legal settlements for the three and nine months ended September 30, 2018 includes (a) $4.0 million of customer redress costs in the U.K., (b) a $1.8 million reduction of the liability related to our offer to reimburse certain bank overdraft or non-sufficient funds fees because of possible borrower confusion about certain electronic payments we initiated on their loans and (c) settlement of certain matters in California and Canada. Legal settlements for the three and nine months ended September 30, 2017 includes $2.3 million for the settlement of the Harrison, et al v. Principal Investment, Inc. et al. For more information, see Note 18 - "Contingent Liabilities" of the Notes to Consolidated Financial Statements included in the Company's Form 10-K filed with the SEC on March 13, 2018. (6) Restructuring costs of $7.4 million for the three and nine months ended September 30, 2017 were due to the closure of the remaining 13 U.K. stores. 32

Historical Consolidated Adjusted Net Income Reconciliation ($Millions) Nine Months Ending Sept. 30, TTM Ending ($ in millions) 2017 2018 9/30/17 9/30/18 Net Income $ 42.7 $ (7.8) $ 52.3 $ (1.3) Loss on extinguishment of debt (1) 12.5 83.8 12.5 83.8 Share-based compensation (2) 1.8 6.1 2.1 14.8 Transaction-related costs (3) 2.5 - 2.7 3.1 Legal settlement costs (4) 2.3 2.8 2.3 4.8 Restructuring costs (5) 7.4 - 8.0 - Intangible asset amortization 1.8 2.1 2.6 2.8 Impact of tax law changes (6) - 1.2 - 5.8 Cumulative tax effect of adjustments (11.6) (23.6) (12.4) (29.4) Adjusted net income $ 59.4 $ 64.7 $ 70.1 $ 84.4 Net income $ 42.7 $ (7.8) $ 52.3 $ (1.3) Diluted Weighted Average Shares Outstanding (7) 39.0 48.1 39.0 47.8 Diluted Earnings per Share (7) $ 1.10 $ (0.16) $ 1.34 $ (0.03) Per share impact of adjustments to net income (7) $ 0.43 $ 1.51 $ 0.46 $ 1.79 Adjusted Diluted Earnings per Share (7) $ 1.53 $ 1.35 $ 1.80 $ 1.77 Note: Subtotals may not sum due to rounding. (1) For the nine months ended September 30, 2018, the $80.9 million of loss on extinguishment of debt is comprised of (a) $11.7 million incurred in the first quarter of 2018 for the redemption of $77.5 million of the CURO Financial Technologies Corp.'s ("CFTC") 12.00% Senior Secured Notes due 2022 and (b) $69.2 million incurred in the third quarter of 2018 for the redemption of the remaining $525.7 million of these notes. The $69.2 million of third quarter loss on extinguishment is comprised of a $54.0 million make whole premium and $15.2 million of deferred financing costs, net of premium/discounts. An additional $3.0 million is included in related costs for the three and nine months ended September 30, 2018 for duplicative interest paid through September 30, 2018 prior to repayment of the remaining 12.00% Senior Secured Notes and the Non-Recourse U.S. SPV Facility. For the nine months ended September 30, 2017, the $12.5 million loss from the extinguishment of debt was due to the redemption of CURO Intermediate Holding Corp.'s ("CURO Intermediate") 10.75% Senior Secured Notes due 2018 and the 12.00% Senior Cash Pay Notes due 2017. (2) We approved the adoption of share-based compensation plans during 2010 and 2017 for key members of senior management. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period. (3) Transaction-related costs include professional fees paid in connection with potential transactions and the original issuance of $470.0 million of Senior Secured Notes due 2022 in the first quarter of 2017. (4) Legal settlements for the three and nine months ended September 30, 2018 includes (a) $4.0 million of customer redress costs in the U.K., (b) a $1.8 million reduction of the liability related to our offer to reimburse certain bank overdraft or non-sufficient funds fees because of possible borrower confusion about certain electronic payments we initiated on their loans and (c) settlement of certain matters in California and Canada. Legal settlements for the three and nine months ended September 30, 2017 includes $2.3 million for the settlement of the Harrison, et al v. Principal Investment, Inc. et al. For more information, see Note 18 - "Contingent Liabilities" of the Notes to Consolidated Financial Statements included in the Company's Form 10-K filed with the SEC on March 13, 2018. (5) Restructuring costs of $7.4 million for the three and nine months ended September 30, 2017 were due to the closure of the remaining 13 U.K. stores. (6) As a result of the Tax Cuts and Jobs Act of 2017 ("2017 Tax Act"), which became law on December 22, 2017, we provided an estimate of the new repatriation tax as of December 31, 2017. Subsequent to further guidance published in the first quarter of 2018, we booked additional tax expense of $1.2 million for the 2017 repatriation tax. Additionally, the 2017 Tax Act provided for a new GILTI tax starting in 2018 and we 33 estimated and provided tax expense of $0.6 million in the first quarter of 2018. This expense was reversed in the third quarter of 2018 based on changes in the geographic mix of income. (7) The share and per share information have been adjusted to give effect to the 36-to-1 split of the Company's common stock that occurred during the fourth quarter of 2017.

Historical Gross Combined Loan Receivables And Adjusted ROAA Reconciliations ($Millions) Year ending Nine months ending September 30, September 30, (in millions) Dec. 31, 2016 Dec. 31, 2017 2017 2018 Company-owned gross loans receivable $286.2 $432.8 $393.4 $567.7 Gross loans receivable guaranteed by the Company 68.0 78.8 71.2 78.8 Gross combined loans receivable $354.2 $511.6 $464.6 $646.5 September 30, (in millions) Dec. 31, 2016 Dec. 31, 2017 2018 Total assets $780.8 $859.7 $995.7 Average assets 723.4 820.3 927.7 LTM Adjusted Net Income 66.4 79.1 84.4 LTM Adjusted ROAA 9.2% 9.6% 9.1% Note: Subtotals may not sum due to rounding. The above table summarizes Company-owned gross loans receivable, a GAAP balance sheet measure, and reconciles it to gross combined loans receivable, a non-GAAP measure including loans originated by third-party lenders through CSO programs, which are not included in our Condensed Consolidated Financial Statements but from which we earn revenue and for which we provide a guarantee to the lender. 34

Segment EBITDA And AEBITDA Reconciliations ($Thousands) U.S Canada U.K. 9 Months Ended 3 Months Ended 9 Months Ended 3 Months Ended 9 Months Ended 3 Months Ended 9/30/2018 9/30/2017 9/30/2018 9/30/2017 9/30/2018 9/30/2017 9/30/2018 9/30/2017 9/30/2018 9/30/2017 9/30/2018 9/30/2017 Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Net Revenue $ 378,416 $ 351,254 $ 120,017 $ 114,320 $ 88,156 $ 99,573 $ 21,773 $ 34,940 $ 19,633 $ 19,293 $ 6,691 $ 6,518 Avertising 35,200 24,596 17,632 12,005 9,147 6,944 3,717 2,899 7,077 4,059 2,765 1,367 Other cost of services 127,719 125,304 42,280 41,213 50,718 46,718 17,567 16,392 2,703 5,426 536 1,737 Corporate, district and other 81,113 78,299 22,360 25,257 14,791 12,407 5,135 4,660 18,390 13,091 7,690 4,330 Loss on extinguishment of debt 80,883 12,458 69,200 - - - - - - - - - Interest expense 64,931 60,563 22,169 18,795 1,298 142 1,234 60 (19) (11) (7) (12) Restructuring and other costs - - - - - - - - - 7,393 - 7,393 Pre-Tax income (loss) $ (11,430) $ 50,034 $ (53,624) $ 17,050 $ 12,202 $ 33,362 $ (5,880) $ 10,929 $ (8,518) $ (10,665) $ (4,293) $ (8,297) Pre-Tax income (loss) (11,430) 50,034 (53,624) 17,050 12,202 33,362 (5,880) 10,929 (8,518) (10,665) (4,293) (8,297) Depreciation and amortization 10,322 10,200 3,536 3,447 3,306 3,389 1,087 1,170 378 531 124 174 Interest 64,931 60,563 22,169 18,795 1,298 142 1,234 60 (19) (11) (7) (12) EBITDA $ 63,823 $ 120,797 $ (27,919) $ 39,292 $ 16,806 $ 36,893 $ (3,559) $ 12,159 $ (8,159) $ (10,145) $ (4,176) $ (8,135) Loss on extinguishment of debt (1) 80,883 12,458 69,200 - - - - - - - - - Share-based compensation (2) 6,112 1,756 2,089 454 - - - - - - - - Transaction release costs (3) - 2,523 - 123 - - - - - - - - Legal settlement costs (4) (1,297) 2,311 (1,297) 361 119 - 119 - 3,952 - 3,952 - Restructuring and other costs (5) - - - - - 7,393 - 7,393 Other adjustments (6) (224) (41) (99) (27) 223 (654) 50 (182) (48) (28) (6) (10) Adjusted AEBITDA $ 149,297 $ 139,804 $ 41,974 $ 40,203 $ 17,148 $ 36,239 $ (3,390) $ 11,977 $ (4,255) $ (2,780) $ (230) $ (752) Note: Subtotals may not sum due to rounding. (1) For the nine months ended September 30, 2018, the $80.9 million of loss on extinguishment of debt is comprised of (a) $11.7 million incurred in the first quarter of 2018 for the redemption of $77.5 million of the CURO Financial Technologies Corp.'s ("CFTC") 12.00% Senior Secured Notes due 2022 and (b) $69.2 million incurred in the third quarter of 2018 for the redemption of the remaining $525.7 million of these notes. The $69.2 million of third quarter loss on extinguishment is comprised of a $54.0 million make whole premium and $15.2 million of deferred financing costs, net of premium/discounts. (2) We approved the adoption of share-based compensation plans during 2010 and 2017 for key members of senior management. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period. (3) Transaction-related costs include professional fees paid in connection with potential transactions and the original issuance of $470.0 million of Senior Secured Notes due 2022 in the first quarter of 2017. (4) Legal settlements for the three and nine months ended September 30, 2018 includes (a) $4.0 million of customer redress costs in the U.K., (b) a $1.8 million reduction of the liability related to our offer to reimburse certain bank overdraft or non-sufficient funds fees because of possible borrower confusion about certain electronic payments we initiated on their loans and (c) settlement of certain matters in California and Canada. Legal settlements for the three and nine months ended September 30, 2017 includes $2.3 million for the settlement of the Harrison, et al v. Principal Investment, Inc. et al. For more information, see Note 18 - "Contingent Liabilities" of the Notes to Consolidated Financial Statements included in the Company's Form 10-K filed with the SEC on March 13, 2018. (5) Restructuring costs of $7.4 million for the three and nine months ended September 30, 2017 were due to the closure of the remaining 13 U.K. stores. (6) Other adjustments include deferred rent and the intercompany foreign exchange impact. Deferred rent represents the non-cash component of rent expense. Rent expense is recognized ratably on a straight-line basis over the lease term. 35

Adjusted Pre-tax income And Adjusted tax Expense Reconciliations ($Thousands) For the 12 Months Ended For the 9 Months Ended December 31, 2017 September 30, 2018 Pre-tax income $ 91,729 $ (7,746) Loss (gain) on extinguishment of debt (1) 12,458 83,848 Restructuring and other costs (2) 7,393 - Legal settlement cost (3) 4,311 2,774 Transaction related costs (4) 5,573 - Share-based cash and non-cash compensation (5) 10,446 6,112 Intangible asset amortization 2,502 2,059 Adjusted pre-tax income $ 134,412 $ 87,047 Tax expense $ 42,576 $ 9 Impact of tax law changes (6) 4,635 1,200 Cumulative tax effect of adjustments (17,397) (23,586) Adjusted tax expense $ 55,338 $ 22,395 Adjusted tax expense / Adjusted pre-tax income 41.2% 25.7% Note: Subtotals may not sum due to rounding. (1) For the nine months ended September 30, 2018, the $80.9 million of loss on extinguishment of debt is comprised of (a) $11.7 million incurred in the first quarter of 2018 for the redemption of $77.5 million of the CURO Financial Technologies Corp.'s ("CFTC") 12.00% Senior Secured Notes due 2022 and (b) $69.2 million incurred in the third quarter of 2018 for the redemption of the remaining $525.7 million of these notes. The $69.2 million of third quarter loss on extinguishment is comprised of a $54.0 million make whole premium and $15.2 million of deferred financing costs, net of premium/discounts. An additional $3.0 million is included in related costs for the three and nine months ended September 30, 2018 for duplicative interest paid through September 30, 2018 prior to repayment of the remaining 12.00% Senior Secured Notes and the Non-Recourse U.S. SPV Facility. For the nine months ended September 30, 2017, the $12.5 million loss from the extinguishment of debt was due to the redemption of CURO Intermediate Holding Corp.'s ("CURO Intermediate") 10.75% Senior Secured Notes due 2018 and the 12.00% Senior Cash Pay Notes due 2017. (2) We approved the adoption of share-based compensation plans during 2010 and 2017 for key members of senior management. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period. (3) Transaction-related costs include professional fees paid in connection with potential transactions and the original issuance of $470.0 million of Senior Secured Notes due 2022 in the first quarter of 2017. (4) Legal settlements for the three and nine months ended September 30, 2018 includes (a) $4.0 million of customer redress costs in the U.K., (b) a $1.8 million reduction of the liability related to our offer to reimburse certain bank overdraft or non-sufficient funds fees because of possible borrower confusion about certain electronic payments we initiated on their loans and (c) settlement of certain matters in California and Canada. Legal settlements for the three and nine months ended September 30, 2017 includes $2.3 million for the settlement of the Harrison, et al v. Principal Investment, Inc. et al. For more information, see Note 18 - "Contingent Liabilities" of the Notes to Consolidated Financial Statements included in the Company's Form 10-K filed with the SEC on March 13, 2018. (5) Restructuring costs of $7.4 million for the three and nine months ended September 30, 2017 were due to the closure of the remaining 13 U.K. stores. (6) As a result of the Tax Cuts and Jobs Act of 2017 ("2017 Tax Act"), which became law on December 22, 2017, we provided an estimate of the new repatriation tax as of December 31, 2017. Subsequent to further guidance published in the first quarter of 2018, we booked additional tax expense of $1.2 million for the 2017 repatriation tax. Additionally, the 2017 Tax Act provided for a new GILTI tax starting in 2018 and we estimated and provided tax expense of $0.6 million in the first quarter of 2018. This expense was reversed in the third quarter of 2018 based on changes in the geographic mix of income. (7) The share and per share information have been adjusted to give effect to the 36-to-1 split of the Company's common stock that occurred during the fourth quarter of 2017. 36