CURO : Q2 2023 Conference Call Presentation

Q2 2023 Earnings Presentation

August 3, 2023

Disclaimer

IMPORTANT: You must read the following information before continuing to the rest of the presentation, which is being provided to you for informational purposes only.

Forward-Looking Statements

This presentation contains forward-looking statements. These forward-looking statements include projections, estimates and assumptions about various matters such as our future financial and operational performance, including our third quarter outlook, various target ranges and growth strategy framework. In addition, words such as "estimate," "believe," "forecast," "predict," "project," "intend," "should" and 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, judgments and other factors, both within and outside of our control, that could cause actual results to differ materially from those in the forward-looking statements, including, risks relating to the uncertainty of projected financial information and forecasts, our level of indebtedness; our dependence on third-party lenders to provide the cash we need to fund our indebtedness and our ability to affordably access third-party financing; the impact of regulations on our business; the effects of competition on our business; our ability to attract and retain customers; global economic, market, financial, political or public health conditions or events; our ability to integrate acquired businesses; our ability to protect our proprietary technology and analytics; disruption of our information technology systems; improper disclosure of customer personal data, as well as other factors discussed in our filings with the Securities and Exchange Commission. The foregoing factors, as well as other existing risk factors and new risk factors that emerge from time to time, may cause actual results to differ materially from those contained in any forward-looking statements. Given these risks and uncertainties, investors should not place undue reliance on forward-looking statements as a prediction of actual future results. Furthermore, the Company undertakes no obligation to update, amend or clarify forward-looking statements.

Non-Gaap Financial Measures

In addition to the financial information prepared in conformity with U.S. GAAP, we provide certain "non-GAAP financial measures." Such measures are intended as a supplemental measure of our performance that are not required by, or presented in accordance with, GAAP. We present these non-GAAP financial measures because we believe that, when viewed with our GAAP results and the accompanying reconciliation, such measures provide useful information for comparing our performance over various reporting periods as they remove from our operating results the impact of items that we believe do not reflect our core operating performance. These non-GAAP financial measures are not substitutes for any GAAP financial measure and there are limitations to using them. Although the Company believes that these non-GAAP financial measures can make an evaluation of our operating performance more consistent because they remove items that do not reflect our core operations, other companies in the Company's industry may define their own non- GAAP financial measures differently or use different measures. As a result, it may be difficult to use any non-GAAP financial measure to compare the performance of other companies to our performance. The non-GAAP financial measures presented in these slides should not be considered as measures of the income generated by our business or discretionary cash available to us to invest in the growth of our business. Our management compensates for these limitations by reference to GAAP results and using these non- GAAP financial measures as supplemental measures. Reconciliation of non-GAAP metrics to the closest comparable GAAP metrics are included in the Appendix.

NOTE: All dollar amounts for Canada in this presentation are in U.S. Dollars, unless otherwise noted.

2

2Q23 Highlights - Steady progress across our three pillars

Grow Responsibly

• Responsible loan growth of $77M, or 4.0% Q/Q amid seasonally slower quarter
• • $18M in Direct Lending
  • $59M in Canada POS
• Increased secured originations in U.S. should drive lower credit risk

Execute with

Excellence

• Integrated First Heritage into Heights platform
• Improving expense ratios
• Introduced improved credit underwriting capabilities to support growth and overall credit performance in CDL

Strengthen our

Foundation

• Liquidity and capacity of $399M at the end of Q2
• Stabilized credit and delinquencies

3

Disciplined and gradual receivables growth

($ Millions)		Gross Loans Receivable
		$2,088	$2,063	$2,140
	$1,894
$1,781
627	690	833	853	912

1,154

1,204

1,254

1,210

1,228

2Q22	*	3Q22	4Q22	1Q23	2Q23
			Direct Lending	Canada POS

* Legacy U.S. Direct Lending business was sold and First Heritage Credit was acquired.

4

Credit quality improving

($ Millions)

Total Direct Lending NCOs

$74	$65	$65
	$57
$55
26.5%
18.4%	20.9%	21.5%	18.8%
2Q22 * 3Q22	4Q22	1Q231	2Q23

Highlights:

• In the U.S., Direct Lending net charge-offs ("NCOs") declined sequentially 1
• In Canada, 2Q23 NCOs reflect a full period of the change in charge-off policy, while 1Q23 NCOs were artificially low due to this change in policy. Excluding the change in policy during 1Q23, NCOs in Canada decreased on a sequential basis

Direct Lending NCOs by Geography

U.S.

$78

44.0%	$28	$35	$38	$30
	15.6%	18.4%	20.2%	16.9%

2Q22	*	3Q22	4Q22	1Q23	2Q23
			Canada
		$28	$30	$28	$27
$23

20.0%	23.6%	25.6%	24.1%	21.5%
2Q22	3Q22	4Q22	1Q231	2Q23

* Legacy U.S. Direct Lending business was sold and First Heritage Credit was acquired
1 1Q23 NCOs excluding policy change. Reported 1Q23 Direct Lending NCOs and NCO % were $47M and 15.6%,	5
respectively in the U.S. and $10M and 8.0%, respectively in Canada, including the change in charge-off policy