EZCORP : Annual Meeting of Stockholders

Annual Meeting

of Stockholders

MARCH 2023

PRELIMINARY STATEMENTS

FORWARD LOOKING STATEMENTS

This presentation 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 AVAILABLE 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 (GAAP), as well as a description of the important risk factors that may materially and adversely

affect our business, financial condition or results of operations.

ADJUSTED INFORMATION

Unless otherwise specified, all amounts in this presentation reflect certain non-GAAP adjustments for various discrete items and constant currency. See Appendix for the GAAP results, as well as GAAP to non-GAAP reconciliation information.

COMPARISONS

All comparisons in this presentation are relative to same period in the prior year unless otherwise stated. In addition, percentages are calculated from the underlying numbers in thousands and, as a result, may not agree to the percentages when calculated from numbers in millions.

All market comparisons are based on available information from similar publicly traded companies.

DEFINED TERMS

See Appendix for definition of terms and acronyms used in this presentation.

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OUR PATH TO STRENGTHEN AND GROW THE CORE

Progression Toward Our Strategic Goals during FY22

Team Members

The most passionate, productive and tenured team in the industry

• Committed and motivated teams
• Global talent and development solutions
• Continued emphasis on the value of diverse cultures with affinity groups providing resources

Strengthen the Core

Renewed focus on the unique and essential elements of our pawn business

• Record-settingPLO and PSC
• Sales up 16% in same stores
• Less than 1% of GM inventory is over one year
• Focus on pricing effectively

Financial Performance

Realize operational efficiency, bottom line growth and strong return on capital

• Adjusted Diluted EPS of $0.75, up from $0.38
• Adjusted EBITDA of $112.9M, up from $68.2
• ROEA remains strong at 167% vs. 185%

Customer Focus

A passion for pawnbroking and solving customer needs

• Continued expansion of points- based loyalty program
• Improved online pawn management experience
• Continued testing of a third-partylease-to-own option, within select U.S. stores

Cost Management &

Simplification

Management of cost base through ongoing simplification

• Continued reduction of store operating costs as a percentage of gross profit
• Building a culture of cost consciousness

Innovate & Grow

Broaden customer engagement to service more customers, more frequently in more locations

• Opened 28 de novo stores in LatAm
• Acquired three stores in the U.S.
• Increased ownership in CCV
• Geographic expansion through investments
• Enhancing EZ+ digital customer experience

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COST EFFICIENCY AND SIMPLIFICATION

($ millions)

Cost Ratios

• Total expenses as a percent of gross profit for the last 12 months (LTM) as compared to LTM Sep FY21 decreased from 86% to 80% even with increases in labor costs
• Store expenses as a percent of gross profit LTM as compared to LTM Sep FY21 decreased from 73% to 68% even with increases in labor and rent increases associated with lease renewals
• G&A expenses as a percent of gross profit LTM as compared to LTM Sep FY21 stayed flat at 12%

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STRENGTHEN THE CORE

Focus on People and Systems to Drive Increased Earnings

People, Pawn, Passion

• Address decreasing vacancy rates through ongoing focus of retention and concentrated LatAm compensation reviews
• Reinforced commitment to increasing Team Member engagement through implementing published engagement action planning for managers and the launch of accountability and consistency development sessions for operational leaders
• Reinforced operational imperatives for improving bench strength through leadership workshop sessions
• Ongoing enhancements to development programs and practices to drive cultural transformation
• • Launched Black Empowerment Affinity Group
  • Launched Women's empowerment book club

Technology, Process Efficiency

• Improved resiliency and quality of store infrastructure
• • Core POS2 system operated at 99.98% availability by the end of 2022, reflecting the investments made in underlying technology and infrastructure
  • Continued deployment of store network and system upgrades to improve stability and support digital initiatives
• Store efficiency and automation
• • Converted Layaways, Loan Renewals, Drops and Store Management to Microservices architecture for improved flexibility
  • Rolled out new tablet-based store management tool across top markets to save time, improve accuracy and reduce paper usage.
  • Reviewing store-level processes and procedures for efficiency gains to maximize time for meaningful customer engagement

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