CURO Group HoldingsQ3 2017 Investor Presentation

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.

2

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

3

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

4

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 LTM

Single-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.

5

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

6

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 monthsRevolving /

Open-endedUp 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 $13to $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%

7

III

Brands

2

13

36

183

3

10 5

92 572

8

11

2627 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%

Store97%

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)

8

Diversified and growing revenue stream… III

Source: Public SEC filings.Note: Financial data for the LTM period ended 9/30/2017, unless otherwise noted.(1) Q3 YoY growth rate.

($ in millions)

Revenue by product

Revenue by geography

Total revenue $916 $802 $649

Net revenue margin 66% 54% 46%

Revenue growth 20% 11% 12%

Installment

58%

U.S.

single-pay

12%

Non-U.S.

single-pay

18%

Open-end

8%

Ancillary

4%

U.S.

76%

Non-U.S.

24%

U.S.

84%

Non-U.S.

16%

Installment

73%

Line of

credit

27%

U.S.

85%

Non-U.S.

15%

Installment

loans and

RPAs

45%

Short-term

loans

24%

Line of

credit

accounts

31%

Larger and more

diversified revenue base

Strong growth

(1)

9

… with attractive profitability and strong credit profileIII

Source: Public SEC filings.Note: Financial data for the LTM period ended 9/30/2017, unless otherwise noted.(1) Net income. Elevate does not report adjusted net income.(2) Includes provisions and net charge-offs for allowance for loan losses and CSO guarantee.(3) Cost per funded loan in U.S.(4) Customer acquisition cost of Enova’s NetCredit product. Company does not report cost per funded loan on an aggregate basis.

($ in millions)

Adj. EBITDA $212 $155 $83

Adj. EBITDA margin 23% 19% 13%

Adj. net income $70 $47 $1

Adj. net income margin 8% 6% 0%

Net charge-offs

(% of gross revenue)29% 44% 53%

Provisions

(% of gross revenue)34% 46% 54%

Provisions

(% of net charge-offs)114% 103% 102%

New customer counts

Q3 2017185,493 NA 91,000

Cost per funded loan $74 $400 $222

Advertising spend growth

(QoQ)38% 1% (12%)

Superior profitability

Robust credit performance

Lower customer

acquisition cost and effective

marketing

(1)

(3) (4)

(2)

(2)

(2)

10

Large and growing addressable marketIV

Large total addressable market

(1) In the U.S., Canada and the U.K.

Broad product offering expands addressable market by increasing appeal to larger proportion of consumers

Combined estimated 140 million potential

underbanked borrowers(1)

44% of American adults could not cover an

emergency expense of $400

Favorable consumer trends

63% of respondents in a recent study do the majority of banking online and 43%

conduct transactions using a mobile banking app

Growing preference towards installment loan products

11

IV

Banks Credit unions

Credit cardsMarketplace

lendersBroker dealers

Marketplace lenders

Specialized consumer lenders

Non-primeCredit 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

12

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

13

($ in millions)

Note: Data for North America only.

1.9 million new

customers added since January 1,

2015

VOpportunistic marketing spend drives strong customer growth 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

14

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.

15

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

16

Over 400 regulatory exams over the past year

Track record of adapting to regulatory changes across

geographies

Operating scale across 3 countries

Flexible product platform

Strong profitability%

Introducing lower cost products across markets

Vendor Risk Management Software

Ongoing Vendor Monitoring and Due Diligence

Strong Contract Management

Enterprise-wide Customer Feedback Software

Ongoing Trend Analysis

Quarterly Compliance Committee

Annual Independent Compliance Audit

Annual Independent AML Audit

Annual Independent Third Party Collector Audit

Computer Based Training Solution

Dedicated Training Team

Proactive, Tailored and easily accessible

Easily Adapts to Product & Regulatory Change

Automated Disclosures, Notices & Scripts

AML & Compliance Monitoring Software

Proprietary Automated Internal Monitoring System

Dedicated Compliance Monitoring Team

CURO believes compliance capabilities are a competitive advantage in a highly regulated market

Quarterly Board Meetings

Quarterly Board Compliance Committee Meetings

Strong Commitment to Compliance

VI Robust compliance protocols

17

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 to support 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

Financial summary

Quarter ended LTM period ended

September 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%

19

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% and 32.6%, respectively

− Single-Pay revenue was down $11.1 million (13.6%) vs. Q3 2016 on Canada rate changes 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 to gain market share

− Gross margin improvement on operating leverage – non-advertising cost of providing services 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

20

$25

$66 $70

$131

$189

$212

16%

23% 23%

2015 2016 LTM Q3'17Adjusted earnings Adjusted EBITDA Adjusted EBITDA margin

$574 $607 $696

$185 $188

$183 $55 $34

$37 $813 $829

$916

2015 2016 LTM Q3'17

U.S. Canada U.K.

($ in millions) ($ in millions)

Total revenue

Adjusted EBITDA and adjusted earningsProvision for losses (as a % of gross revenue)

(1) (2) (3)

$281 $258

$307

35%31%

34%

2015 2016 LTM Q3'17

Historical financial summarySummary income statement metrics

($ in millions)

Note: Subtotals may not sum due to rounding. LTM data calculated as 2016 plus nine months ended 9/30/17 minus nine months ended 9/30/16.(1) Adjusted earnings defined as net income plus or minus gain (loss) on certain non-cash or other adjusting items. (2) Adjusted EBITDA defined as earnings before interest, income taxes, depreciation and amortization, plus or minus certain non-cash or

other adjusting items.(3) Calculated as a percentage of gross revenue.

21

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)

22

Historical financial summary (cont’d) Consolidated summary balance sheet

December 31, September 30, November 2017 adjustments Pro-forma

($ in millions) 2015 2016 2016 2017 HY issuance IPO Sept. 30, 2017

Cash $100.6 $193.5 $175.4 $95.5 ($5.0) $90.5

Restricted cash $11.8 $7.8 $5.2 $11.5 $11.5

Gross loans receivable 252.2 286.2 244.6 393.4 393.4

Less: allowance for loan losses (32.9) (39.2) (33.3) (71.3) (71.3)

Loans receivable, net 219.3 247.0 211.3 322.2 322.2

PP&E net 99.7 95.9 98.0 88.8 88.8

Goodwill and intangibles 177.7 172.5 175.7 178.7 178.7

Other assets 57.0 64.1 55.5 65.5 65.5

Total assets $666.0 $780.8 $721.1 $762.1 $757.1

Senior notes 561.7 538.4 538.1 449.7 $135.0 ($79.0) 505.7

U.S. SPV and ABL facilities – 86.5 – 112.1 112.1

Other liabilities 123.7 115.0 144.6 134.4 134.4

Total liabilities $685.4 $739.9 $682.7 $696.2 $135.0 ($79.0) $752.2

Total stockholders' equity / (deficit) ($19.4) $40.9 $38.4 $65.9 ($140.0) $79.0 $4.9

Memo items:

LTM adjusted ROAA 3.7% 9.2% 9.7% 9.5% 9.5%

Debt / LTM adjusted EBITDA 4.3x 3.3x 3.0x 2.6x 2.9x

Note: Debt balances are reflected net of deferred interest costs. Subtotals may not sum due to rounding. (1) Does not reflect transaction fees and expenses.(2) Reflects principal amount of debt redeemed after accounting for IPO fees and expenses and 12% clawback penalty on debt repayment.(3) Does not reflect exercise of overallotment option.(4) Debt includes senior notes, SPV and ABL facilities.

(1)

(3)

(2)

(4)

II

I

23

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

Appendix

25

Historical consolidated adjusted EBITDA reconciliation

Note: Subtotals may not sum due to rounding. (1) For the year ended December 31, 2016, the $7.0 million gain on extinguishment of debt resulted

from the Company’s purchase of CURO Intermediate’s 10.75% Senior Secured Notes in September 2016.

(2) Restructuring costs of $4.3 million for the year ended December 31, 2015 represented the expected costs to be incurred related to the closure of ten underperforming stores in the U.K. Restructuring costs of $3.6 million for the year ended December 31, 2016 represented the elimination of certain corporate positions in our Canadian headquarters and the costs incurred related to the closure of seven underperforming stores in Texas. Restructuring costs of $1.5 million for the three months ended September 30, 2016 primarily represented costs incurred related to the elimination of certain corporate positions in our Canadian headquarters. Restructuring costs of $7.4 million for the three months ended September 30, 2017 were due to the closure of our remaining 13 U.K. stores.

(3) Goodwill and intangible asset impairment charges in 2015 include a non-cash goodwill impairment charge of $0.9 million, and non-cash impairment charges related to the Wage Day trade name intangible asset and customer relationship intangible asset of $1.8 million and $0.2 million, respectively.

(4) 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.

(5) The Company approved the adoption of a share-based compensation plan during 2010 for key members of its senior management team. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period.

(6) Transaction-related costs include professional fees paid in connection with potential transactions.

(7) The legal settlement accrual for the three months ended September 30, 2017 relates to the resolution of a 2010 lawsuit in Nevada.

Year ended December 31, Quarter ended September 30,

($ in millions) 2010 2015 2016 2016 2017

Net income $19.9 $17.8 $65.4 $15.8 $9.8

Provision for income taxes 12.2 18.1 42.6 10.1 9.9

Interest expense 8.7 65.0 64.3 16.0 18.8

Depreciation and amortization 4.4 19.1 18.9 3.9 4.8

EBITDA $45.2 $120.0 $191.3 $45.8 $43.3

Gain on extinguishment of debt – – (7.0) (7.0) –

Restructuring and other costs – 4.3 3.6 1.5 7.4

Goodwill and intangible asset impairment – 2.9 – – –

Other adjustments 1.0 1.6 – – (0.2)

Share‐based compensation 1.0 1.3 1.1 0.3 0.5

Transaction-related costs 1.4 0.8 0.3 0.1 0.1

Legal settlement accrual – – – – 0.4

Adjusted EBITDA $48.6 $130.9 $189.4 $40.7 $51.4

Adjusted EBITDA margin 23.9% 16.1% 22.9% 19.1% 20.2%

(1)

(2)

(3)

(4)

(5)

(6)

(7)

26

Historical consolidated adjusted earnings reconciliation

Year ended December 31, Quarter ended September 30,

($ in millions) 2010 2015 2016 2016 2017

Net income $19.9 $17.8 $65.4 $15.8 $9.8

Gain on extinguishment of debt – – (7.0) (7.0) –

Transaction-related costs 1.4 0.8 0.3 0.1 0.1

Goodwill and intangible asset impairment charge – 2.9 – – –

Restructuring costs – 4.3 3.6 1.5 7.4

Share-based cash and non-cash compensation 1.0 1.3 1.1 0.3 0.5

Intangible asset amortization 1.5 4.6 3.5 0.5 0.6

Legal settlement accrual – – – – 0.4

Cumulative tax effect of adjustments (1.4) (7.0) (0.6) 1.8 (4.5)

Net addbacks (after tax) $2.5 $6.9 $1.0 ($2.8) $4.4

Adjusted earnings $22.4 $24.7 $66.4 $13.0 $14.2

Note: Subtotals may not sum due to rounding. (1) For the year ended December 31, 2016, the $7.0 million gain on extinguishment of debt resulted

from the Company’s purchase of CURO Intermediate’s 10.75% Senior Secured Notes in September 2016.

(2) Transaction-related costs include professional fees paid in connection with potential transactions.(3) Goodwill and intangible asset impairment charges in 2015 include a non-cash goodwill

impairment charge of $0.9 million, and non-cash impairment charges related to the Wage Day trade name intangible asset and customer relationship intangible asset of $1.8 million and $0.2 million, respectively.

(4) Restructuring costs of $4.3 million for the year ended December 31, 2015 represented the expected costs to be incurred related to the closure of ten underperforming stores in the U.K. Restructuring costs of $3.6 million for the year ended December 31, 2016 represented the elimination of certain corporate positions in our Canadian headquarters and the costs incurred related to the closure of seven underperforming stores in Texas. Restructuring costs of $1.5 million for the three months ended September 30, 2016 primarily represented costs incurred related to the elimination of certain corporate positions in our Canadian headquarters. Restructuring costs of $7.4 million for the three months ended September 30, 2017 were due to the closure of our remaining 13 U.K. stores.

(5) The Company approved the adoption of a share-based compensation plan during 2010 for key members of its senior management team. The estimated fair value of share-based awards is recognized as non-cash compensation expense on a straight-line basis over the vesting period.

(6) The legal settlement accrual for the three months ended September 30, 2017 relates to the resolution of a 2010 lawsuit in Nevada.

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