CARFINCO FINANCIAL GROUP INC.Assured Automotive Financing

TSX: CFN

Investor Presentation September 2014

This presentation contains certain statements that may be deemed "forward-looking statements".All statements in this document, other than statements of historical fact, that address events ordevelopments that the Company expects to occur, are forward looking statements. Forward lookingstatements are statements that are not historical facts and are generally, but not always, identifiedby the words "expects", "plans", "anticipates", "believes", "intends", "estimates", "projects","potential" and similar expressions, or that events or conditions "will", "would", "may", "could" or"should" occur.

Although the Company believes the expectations expressed in such forward-looking statementsare based on reasonable assumptions, such statements are not guarantees of future performanceand actual results may differ materially from those in the forward-looking statements. Factors thatcould cause the actual results to differ materially from those in forward looking statements include,failure to successfully negotiate or subsequently close such transactions, inability to obtainrequired shareholder or regulatory approvals, uncertainty with respect to findings underexploration programs and general economic, market or business conditions. Investors arecautioned that any such statements are not guarantees of future performance and actual results ordevelopments may differ materially from those projected in the forward-looking statements.Forward looking statements are based on the beliefs, estimates and opinions of the Company'smanagement on the date the statements are made. The Company undertakes no obligation toupdate these forward-looking statements in the event that management's beliefs, estimates oropinions, or other factors, should change.

Forward Looking Statements

2

Key Investment Highlights

Uniquely positioned, highly-profitable, non-prime auto finance. Growth.

Credit facility recently expanded to $205 million.Banking syndicate.

3

Key Investment Highlights

Barriers to entry: call center, software system, technology.

Principal balance of finance receivables at end of June 2014.

Management highly experienced with large ownership, no options.

$277.6Million

29,500Customers

Disciplined system of credit control checks & balances.

4

Funding

Banking Syndicate

• Bank of America, N.A.•Wells Fargo Financial Corporation Canada• Bank of Montreal • ATB Financial

Facility Size • $205 million

Increase inFacility Size

• February 2008: Increased facility from $65mm to $85mm andadded Bank of Montreal to syndicate•December 2008: Wells Fargo Financial Corporation Canada added

to syndicate• June 2010: Increased facility from $85mm to $105mm• April 2011: Increased facility from $105mm to $130mm•October 2012: Increased facility from $130mm to $180mm•May 2013: Increased facility from $180mm to $205mm and added

ATB Financial to syndicate

Maturity •November 5, 2014

Rate • Bankers’ Acceptance Rate plus 2.75%

Leverage Ratio • 3.50:15

Geographically Diverse

Founded in 1997 in Alberta. Over 2,200 dealers in 10 provinces.

45% franchised dealers & 55% independent used car dealerships.

Geographically diverse portfolio - 60% West & 40% East.

West – 60% East – 40%

6

Competitive Position

A+

A

A-

B+

B

B-

C+

C

C-

D+

D

D-

A number of start-up finance companies have

commenced operations in

the non-prime auto finance

industry.

7

Beacon Score as a % of the Canadian Credit MarketCanadian Non-Prime Market

5%

11%

5%7%

11%

61%

36%

58%

4%2%

0% 0%0%

10%

20%

30%

40%

50%

60%

70%

No Score 000 - 619 [D] 620 - 649 [C] 650 - 679 [B] 680 - 719 [A] 720 - 999 [A+]

Canadian Market

Carfinco Portfolio

8

Customer & Loan Profile

Our Customers Average Age: 36 Years Average Residency: 2.0 Years Average Job Length: 4.0 Years Average Income: $3,500/month

Typical Loan Loan Size: $12,250 Average Term: 50 months Average Payment: $424 Vehicle Age: 5 years Interest Rate: 29.5% Effective Rate: 33.3% Administration Fee: $499

9

Growing Loan Portfolio

PRINCIPAL OF FINANCE RECEIVABLES & REVENUES

Note: Prepared using IFRS 2010-2013, previous prepared using GAAP

$ Millions

21.9 26.0 31.6 32.648.3

59.671.8

84.9101.6

74.896.5

109.3 113.8

141.1

167.6

201.5

271.2277.6

0.0

50.0

100.0

150.0

200.0

250.0

300.0

350.0

2006 2007 2008 2009 2010 2011 2012 2013 Q3-14

Revenues

Finance Receivables

* Annualized

*

10

Quarterly EPS & Cash Dividends (cents)

Note: 2011 numbers after tax and 2010 forward prepared under IFRS

Special Cash Distribution/Dividend

Regular Cash Distribution/Dividend

EPS

6 6 6 6.57.5 8

9 9

10.5 10.5

12 12 12 12 12 12 12

1920

25

17 1718 18

19

2223

20 20

22

16

1920 20

0

5

10

15

20

25

30

Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12 Q3-12 Q4-12 Q1-13 Q2-13 Q3-13 Q4-13 Q1-14 Q2-14

5

12

10

5

10

11

Quarterly EPS & Cash Dividends (cents)

Note: 2011 numbers after tax and 2010 forward prepared under IFRS

Special Cash Distribution/Dividend

Regular Cash Distribution/Dividend

EPS

6 6 6.57.5 8

9 910.5 10.5

12 12 12 12 12 12 12 12

20

25

17 1718 18

19

2223

20 20

22

16

1920 20

17

0

5

10

15

20

25

30

Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12 Q3-12 Q4-12 Q1-13 Q2-13 Q3-13 Q4-13 Q1-14 Q2-14 Q3-14

5

12

10

5

12

Return On Equity (%)Impressive ROE

Note: 2006 through 2010 are percentages before tax

44.6

18.9

-9.0

33.6

79.4

55.552.2

36.030.1

23.9

-20.0

-10.0

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

90.0

2006 2007 2008 2009 2010 2011 2012 2013 Q2-14 Q3-14

13

Note: 2006 through 2010 are percentages before tax

Q3/05 – Q2/14 Annualized Loss Rate

Loss Ratio AverageGAAP Accounting StandardIFRS Accounting Standard

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

14

Strategic Entry Into U.S. Market

Headquartered in Wakefield, Massachusetts Operating in five states:

Massachusetts, Connecticut, New Hampshire, Maine and Vermont

Founded in 1998 46 employees Strong, stable management team Founder and President, Peter

Miller to lead organization Joined CFN Board of Directors

September 2013

MAINE

Acquisition of Persian Acceptance Corp. (PAC) – September 4, 2013

VERMONT

MAINE

NEW YORK

NEW HAMPSHIRE

RHODE ISLAND

CONNECTICUT

MASSACHUSETTS

15

Persian Acceptance Corp. (PAC)

MAINE

362 automobile dealers Purchased for $9m cash and $500k shares + $2m potential

performance payment PAC portfolio of $42.7m Credit facility with Wells Fargo, balance of $21.5m with terms of

$30m, 3.5:1 debt/equity, interest rate U.S. Libor plus 4.15% (4.45% up to October 31, 2013)

CFN assumed $5.81m in sub debt at 13% interest rate

16

Capital Structure

SharesIssued

Insiders: Free-trading 3,413,299

Public: Free-trading 23,058,154

Total Issued 26,471,453

Fully Diluted 26,471,453

No option plan.

No warrants.17

Leadership Team

Management Tracy Graf – President & CEO Troy Graf – COO Stephen Dykau – CFO

Board of Directors Tracy Graf – President & CEO David Prussky – Director, Patica Securities Ltd. David Rosenkrantz – Director, Patica Securities Ltd. J. Daryl MacLellan – President, Desante Financial Services Inc. Brent Channell – Managing Director, Spartan Fund Management Inc. Maurice Kagan – CEO, Sparkle Solutions LP Simon Serruya – Chief Operating Officer, Yogen Frϋz International Inc. Peter Miller – President, Persian Acceptance Corp. (PAC)

18

Share Price Chart

19

The Analysts

Target Price

$11.00 $13.00 $10.00

Strong Buy Buy Market Perform

Forecast Revenue

2014 $99.3 M $94.5 M

(interest revenue only)$99.1 M

ForecastNet Earnings/

Share 2014$0.84 $0.88 $0.82

20

CARFINCO FINANCIAL GROUP INC.Assured Automotive Financing

TSX: CFN

For further information, please contact:

Mr. Tracy A. GrafPresident and CEO Telephone: 1-888-486-4356Facsimile: 1-888-486-7456Email: tracy.graf@carfinco.com