Jefferies Consumer Finance Crossover Debt & Equity ConferenceDecember 7, 2017

1

Disclaimer

IMPORTANT: You must read the following before continuing. This presentation has been prepared by CURO Group Holdings Corp. and its subsidiaries (collectively, the “Company”)and is being provided to you for informational purposes only.

The Company has filed a registration statement on Form S-1, including a preliminary prospectus, with the U.S. Securities and Exchange Commission (the “SEC”) in connection withthe offering to which this presentation relates, which has not yet become effective as of the date hereof. An offering may only be made by means of an effective registration statement(including a prospectus) filed with the SEC. Before you invest in the Company’s securities, you should read the preliminary prospectus included in the Company’s registrationstatement on Form S-1 for more complete information about the Company and the offering. You may obtain those documents for free, including after the registration statement onForm S-1 becomes effective, by visiting EDGAR on the SEC website at www.sec.gov.

This presentation contains forward-looking statements. All statements other than statements of historical fact included in the presentation are forward-looking statements. Forward-looking statements give the Company’s current expectations and projections relating to its financial condition, results of operations, plans, objectives, future performance andbusiness. These statements may include, without limitation, any statements preceded by, followed by or including words such as “target,” “believe,” “expect,” “aim,” “intend,” “may,”“anticipate,” “assume,” “budget,” “continue,” “estimate,” “future,” “objective,” “outlook,” “plan,” “potential,” “predict,” “project,” “will,” “can have,” “likely,” “should,” “would,” “could” andother words and terms of similar meaning or the negative thereof. Such forward-looking statements involve known and unknown risks, uncertainties and other important factorsbeyond the Company’s control that could cause the Company’s actual results, performance or achievements to be materially different from the expected results, performance orachievements expressed or implied by such forward-looking statements. Such forward-looking statements are based on numerous assumptions regarding the Company’s present andfuture business strategies and the environment in which it will operate in the future.

You should not rely upon forward-looking statements as predictions of future events. Although we believe that the expectations reflected in the forward-looking statements arereasonable, we cannot guarantee that future results, levels of activity, performance and events and circumstances reflected in the forward-looking statements will be achieved or willoccur. The forward-looking statements herein speak only as of the date hereof. Factors or events that could cause our actual results to differ from the statements contained hereinmay emerge from time to time, and it is not possible for us to predict all of them. Except as required by law, we assume no obligation to update these forward-looking statements, or toupdate the reasons actual results could differ materially from those anticipated in the forward-looking statements, even if new information becomes available in the future.

The Company discloses EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable and Adjusted EBITDA Margin, which are not measures defined by U.S.generally accepted accounting principles (“GAAP”). Such measures are intended as a supplemental measure of the Company’s performance that are not required by, or presented inaccordance with, GAAP. The Company presents EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable and Adjusted EBITDA Margin because itbelieves that, when viewed with the Company’s GAAP results and the accompanying reconciliation, such measures provide useful information for comparing the Company’sperformance 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 operatingperformance. EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable and Adjusted EBITDA Margin are not substitutes for net earnings, cash flowsprovided by operating activities or any other measure prescribed by GAAP. There are limitations to using non-GAAP measures such as EBITDA, Adjusted EBITDA, AdjustedEarnings, Gross Combined Loans Receivable and Adjusted EBITDA Margin. Although the Company believes that EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross CombinedLoans Receivable and Adjusted EBITDA Margin can make an evaluation of its operating performance more consistent because they remove items that do not reflect its coreoperations, other companies in the Company’s industry may define EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable and Adjusted EBITDA Margindifferently than the Company does. As a result, it may be difficult to use EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable and Adjusted EBITDAMargin to compare the performance of those companies to the Company’s performance. EBITDA, Adjusted EBITDA, Adjusted Earnings, Gross Combined Loans Receivable andAdjusted EBITDA Margin 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 itsbusiness. The Company’s management compensates for these limitations by reference to its GAAP results and using EBITDA, Adjusted EBITDA, Adjusted Earnings, GrossCombined Loans Receivable and Adjusted EBITDA Margin as supplemental measures. A reconciliation of EBITDA and Adjusted EBITDA to net income can be found on slide 28 ofthis presentation. A reconciliation of Adjusted Earnings to net income can be found on slide 29 of this presentation. A reconciliation of Gross Combined Loans Receivable toCompany-owned Gross Loans Receivable can be found on slide 24 of this presentation.

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. Thisdocument 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 thisdocument has been received in error it must be returned immediately to the Company.

Senior leadership with over a century of collective industry experience

2

Presenters

Bill BakerCOO & EVP

Roger DeanCFO & EVP

Don GayhardtPresident & CEO

Industry tenurePrior experience

27years

24years

15years

3

Our mission, vision and values

origin: Latin verb: to provide money

curocur·o \ˈkyu̇r-ō

Leading with humilityWinning with integrity

Thriving on change

Building relationships based on trust, honesty and respect

Keeping our commitments

Executing with urgency and passion

Powering innovation for underbanked consumers

II

I

4

Key investment highlights

VII

VI

III

V

IV

Leading large scale lender to underbanked consumers with track record of profitability across credit cycles

Omni-channel platform supports strategy, enhances customer experience and drives superior performance

Diversified revenue base derived from comprehensive product offerings and broad geographic footprint

Large and growing market that is underserved by traditional finance companies and banks

Dynamic marketing strategy generates strong customer growth and optimizes customer acquisition costs

Proprietary, bespoke IT platform underpins underwriting and is supported by a robust compliance culture

Significant growth opportunities with sustainable competitive advantages

$22 $70

2010 Q3 2017 LTM

5

Leading large scale lender to underbanked consumers with track record of profitability across credit cycles(1)I

$49

$212

2010 Q3 2017 LTM

($ in millions)

$204

$916

2010 Q3 2017 LTMSingle-pay Installment and other

Adjusted earningsAdjusted EBITDAGross revenues($ in millions)

($ in millions)

Selectively expanded into additional states

Launched online lending platforms Mobile optimized sites and apps

1997 – 2007

Focused branch development in U.S.

2008 – 2013

Channel, product and geographic diversification

2014 – Present

Broad product diversification and brand development

Raised over $1.1 billion of debt financing since 2008

$13.9 billion of total credit extended since 2010

Bespoke IT platform development

Company founded with first location in Riverside, California

International expansion to Canada and the U.K.

Began offering installment loans Installment loan product expansion

Refined best-in-class omni-channel platform

Launched analytical brand marketing

(1) Leading large-scale lender in terms of revenue.

•

•

•

•

•

•

•

•

•

6

II

Distinctive and recognizable branding

Category-killer stores promote brand awareness Synergistic lead funnel for storefront channel

Enhances customer experience

89% 67%

$22.5

$273.4

2010 2016

($ in millions) ($ in millions)

$181.7

$555.2

2010 2016

% of total revenue 11%% of total

revenue 33%

Store revenue(3) Online revenue

Over 80% of web visitors are on mobile(1)

We source customers from a broad base with high retention rates

Convenient locations typically open 7 days per week

Site to store: over 14,000 customers per month(2)

(1) Based on Q3 2017.(2) Includes new and reactivated customers.(3) Calculated as total revenue less online revenues.

Storefront Digital / Mobile

Omni-channel platform supports “Call, Click or Come-in”

Higher approval rates with better credit performance

7

III

$1,299``

Single-pay

$335

Segment revenue by product

Unsecuredinstallment

Securedinstallment Open-end

Online and in-store:15 U.S. states, Canada

and the United Kingdom(1)

Channel

Approximate average

loan size(2)

Online and in-store: 7 U.S. states

Online: KS, TN, ID, UT, VA, DE and RI

In-store: KS and TN

Online and in-store:12 U.S. states, Canada

and the United Kingdom(1)

$636 $463

Duration Up to 48 months Up to 42 months Revolving /Open-ended Up to 62 days

Pricing13.2%

Average monthlyinterest rate (3)

10.6%Average monthly

interest rate (3)

Daily interest ratesranging from

0.74% to 0.99%Fees ranging from $13

to $25 per $100 borrowed

Installment58%

U.S. Single-pay

12% Non-U.S.

Single-pay18%

Open-end8%

Ancillary4%

$916 million

LTM September 30, 2017 consolidated revenue Online revenue:

37%(4)

Increasing installment & open-end focus

19%

68%

2010 Q3 2017

(% of revenue)

(1) Online only in the U.K.(2) Includes CSO loans.(3) Weighted average of the contractual interest rates for the portfolio as of September 30, 2017. Excludes CSO.(4) As of Q3 2017 YTD.

Comprehensive product offering and diversified revenue

Q3 2017 U.S. Single-pay: 10.9%

8

III

Brands

2

1336

18 3

3

10 5

92 572

8

1126 27 4

121

1

5

6

Stores / states

Both

Online

Store

215 / 14 190 / 7 NA

26 states 5 provinces U.K.

$696 / 76% $183 / 20% $37 / 4%

United States Canada United Kingdom

Online39%

Store61%

Online3% Store

97%Online100%

Online presence

LTM revenue ($ / %)

2016 channel mix

($ in millions)

Broad geographic footprint

(1) Reflects current channel mix since the remaining 13 stores in the U.K. were closed in Q3 2017.

(1)

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IV

Banks Credit unions

Credit cardsMarketplace

lendersBroker dealers

Marketplace lenders Specialized

consumer lendersNon-prime

Credit cards

Providers of credit to U.S. population by FICO band(1)

Over 40% of U.S. consumers are underserved by traditional finance companies

Specialized consumer lenders

20.7% 19.0% 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

(1) April 2017; FICO.

$142 billion reduction in the availability of non-prime consumer creditfrom the 2008-2009 credit crisis to 2015

Market is underserved by traditional finance companies

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V

Hottransfers

Nativeadvertising

Outdooradvertising

Radio

Prescreenletters

Directmail

TV

SEO

PPC

Site-to-store

Printadvertising

Displayadvertising

Affiliate

Integrated Global Marketing, Risk and

Credit Analytics team consisting of 72

professionals

Real time optimization of marketing spend

using credit data

Technology and analytics drive risk-adjusted revenue growth and reduce CPF

2017 Q3 CPF$74(1)

Multi-faceted marketing strategy and deep data analysis

(1) For U.S. loans.

$7.6

$15.0

$18.0

$11.6

$4.7

$8.9

$10.5

$13.1

$5.8

$9.2

$14.2 127,635

190,633

217,523

198,780

123,017

158,707

189,575 194,326

121,307

148,817

185,493

Q12015

Q22015

Q32015

Q42015

Q12016

Q22016

Q32016

Q42016

Q12017

Q22017

Q32017

Direct advertising spend New customers acquired

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($ in millions)

Note: Data for North America only.

1.9 million new

customers added since January 1,

2015

V Opportunistic marketing spend drives strong customergrowth while maintaining low customer acquisition cost

$-

$10

$20

$30

$40

$50

$60

$70

$80

$90

$100

Q12015

Q22015

Q32015

Q42015

Q12016

Q22016

Q32016

Q42016

Q12017

Q22017

Q32017

CPF - U.S. CPF - Canada

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Structured, proprietary model development and deployment process

Monitor operational changes to address short-term changes to risk environment

Continuous model updates

Optimize loss rates and minimize

effective customer acquisition costs

VI Centralized analytics and IT platform

Installment and open-end products require more stringent credit criteria supported by more sophisticated analytics

Over 71 million applications

Advanced data relevancy techniques

+11,000 potential risk analytic–variables

183 IT professionals and 72 Marketing, Risk and Analytics professionals

15+ years of customer data

Third-party reporting

36.5 million total loans since 2010

$13.9 billion total credit extended

since 2010

Note: Data as of 9/30/2017.

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First-pay defaults(1)

(1) Data for North America only.

Since 2015, we have decreased first-pay defaults periodically while adding 1.9 million new customers

VI Improving credit trends while adding new customers

7%

9%

11%

13%

15%

17%

19%

21%

Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017

U.S. Online U.S. Store Canada Online Canada Store

First-pay defaults and cost per funded loan are analyzed for optimal vintage performance

14

Continue to drive more customer growth in existing products / geographies Data driven, cost-efficient acquisition strategy Increase prescreen direct-mail program and add to affiliate network

Efficient customer

acquisition

New online installment loan brand, Avio Credit New online guarantor loan product in the U.K. under new Juo loans brand Bank partner line of credit offerings in U.S.

New product offerings

Expansion of LendDirect in Canada; pilot stores open Q4 2017 Continue to explore opportunities in new high-growth markets

Geographic expansion

Further reduce customer acquisition cost Continued improvement in credit performance Further expand installment loan offerings in U.S. and Canada

Operational enhancement

Ongoing alignment of financing mix tosupport future growth

Capital structure

optimization

CURO has developed a growth-oriented financial technology platform positioned to capitalize on numerous growth opportunities

VII Multiple opportunities for continued growth

Quarter ended LTM period endedSeptember 30, September 30,

($ in millions) 2016 2017 Growth % 2016 2017 Growth %

Revenue $212.9 $255.1 19.8% $826.5 $915.5 10.8%

Gross margin $67.0 $80.2 19.6% $289.5 $320.7 10.8%

Adjusted EBITDA $40.7 $51.4 26.2% $179.4 $212.4 18.4%

Adjusted earnings(1) $13.1 $14.2 8.7% $66.8 $70.1 4.9%

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Continued growth and profitability

Q3 2017 performance commentary

Average earning assets:−Grew $54.7 million (+15.2%) sequentially

vs. Q2 2017

− Up $83 million (+29%) vs. Q3 2016

Revenue:− Led by Unsecured and Secured Installment

revenue growth vs. Q3 2016 of 50.8% and32.6%, respectively

− Single-Pay revenue was down $11.1 million(13.6%) vs. Q3 2016 on Canada ratechanges and product changes in Alberta,Ohio and the U.K.

Gross margin:− Advertising spend up 37.5% vs. Q3 2016 in

part because of an opportunistic initiative togain market share

− Gross margin improvement on operatingleverage – non-advertising cost of providingservices grew just 4% vs. Q3 2016

Note: Subtotals may not sum due to rounding.(1) Adjusted earnings defined as net income plus or minus gain (loss) on certain non-cash or other adjusting items.

Q3 2017 marked another successful chapter in CURO’s growth story with LTM adjusted EBITDA at an all-time high of $212.4 million

16

Historical financial summary (cont’d) Summary balance sheet metrics

Total combined gross loans receivable($ in millions)

$119 $134 $113 $177 $205

$45 $41 $39

$37 $39

$26 $31 $28

$27 $32

$44 $44

$50

$48

$50

$2 $23

$2

$43

$49

$15

$13

$13

$18

$18

$60

$68

$59

$62

$71

$312

$354

$303

$412

$464

2015 2016 Q3'16 Q2'17 Q3'17

U.S. Installment U.S. Single-pay U.S. Open-End Canada Single-pay Canada Installment U.K. CSO loans

$31

19%

Note: Subtotals may not sum due to rounding. (1) Calculated as provisions less NCOs. YTD metrics shown for Q3 2016 and Q3 2017. (2) Total allowance for loan losses and CSO guarantee liability divided by total combined gross loans receivable.(3) Past-due balances for unsecured installment and secured installment total receivables were $41.7 million and $12.6 million, respectively. (4) Past-due balances for unsecured installment and secured installment total receivables were $51.8 million and $15.3 million, respectively.(5) CSO loans are not included in gross loans receivable reflected on the balance sheet.

(3)

(4)

($1)$6$5

16%16%16%Loan loss allowance / gross receivables (%)(2)

Excess provisions(1)

(5)

II

I

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Key investment highlights

VII

VI

III

V

IV

Leading large scale lender to underbanked consumers with track record of profitability across credit cycles

Omni-channel platform supports strategy, enhances customer experience and drives superior performance

Diversified revenue base derived from comprehensive product offerings and broad geographic footprint

Large and growing market that is underserved by traditional finance companies and banks

Dynamic marketing strategy generates strong customer growth and optimizes customer acquisition costs

Proprietary, bespoke IT platform underpins underwriting and is supported by a robust compliance culture

Significant growth opportunities with sustainable competitive advantages