Mark ReidChief Executive Officer

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FY17 Investor Presentation22 August 2017–

2017 Annual General Meeting23 November 2017–

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Chief Executive Officer

Mr Mark Reid–

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FY17 Key Achievements

Green Light Auto (GLA) profitable

UK business profitable

Bad-debt write offs reducing

Successful introduction of Medium Amount Credit Contract (MACC) product

Retail and Pawn Broking growing

EU remediation, new assessing platform and compliance review

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FY17 Financials

Consolidated basis FY17 ($m)

FY16 ($m)

Variance (%)

Revenue 271.5 310.0 -12.4%

EBITDA 45.7 47.7 -4.1%

EBITDA as % of revenue 16.8% 15.4% -

NPAT from Continuing Operations 20.6 25.9 -20.4%

Discontinued operations - (31.2) -

Statutory NPAT 20.6 (5.3) -

EPS (basic) cents per share 4.2c (1.1c) -

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Strategy for Growth• Focus on growing loan books – SACC, MACC, GLA, Pawn Broking.

• Declining bad debts due to a higher quality and lower risk personal finance loan book.

• Continued focus on improvement in operational efficiencies and cost control.

• Continued improvement of our risk management processes and procedures.

• Evolving our brand, product range and channels to market.

• Transforming our digital capabilities across sales, marketing and risk management.

• Leveraging growth opportunities for our international business.

• Leadership capability.

Significantly grow NPAT from both new/existing brands,

products and channels.

Broaden the revenue base to improve business robustness against regulatory and other

market changes.

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Position for future growth by repositioning the brand and

culture, building new capabilities in digital and data

and establishing a stronger franchise business model.

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Putting our customers at the centre of everything we do.

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Trading Update

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Dec-16 Mar-17 Jun-17 Sep-17

Mill

ions

Quarterly Bad Debt Write off

36%Reduction

$0

$20

$40

$60

$80

$100

Jun-17 Jul-17 Aug-17 Sep-17 Oct-17

Mill

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Personal Loan Books

MACC SACC

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

$7.00

$7.50

$8.00

$8.50

$9.00

$9.50

$10.00

$10.50

$11.00

Jul-18 Aug-18 Sep-18 Oct-18

Mill

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Pawnbroking

Street Value # of Loans

15

17

19

21

23

25

27

Jun-17 Jul-17 Aug-17 Sep-17

Mill

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GLA Loan book30%

Growth

85% growth in MACC loan book

20%Increase in

loan numbers

22% increase in pawn book

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Marketing Campaigns

7

Personal Finance Campaign – ‘Get Sorted’

Retail Campaign – ‘Find what lights you up for less’

Pawn broking campaign – ‘Flip it’ For

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Funding

• Cash Converters has renewed its securitisation facility with Fortress Investment Group (‘Fortress’).

• Only the SACC Personal Loan Book could be funded under the previous facility, underutilising the $100m facility limit.

• An increased facility and widening of the eligibility criteria positions the Company with sufficient funding for loan book growth to the end of 2020.

Renewed 5-year Funding Term (3 + 2 option).

Funding now available for MACC and GLA Personal

Loan Books.

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Increased facility for up to $150m.

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Summary

“I am genuinely excited about the substantial opportunities for growth in our business, to further increase profits over the next three to five years and maximiseshareholder returns.”

–Mark Reid, CEO.

• Build on our current growth strategy.• Improve our service delivery to our existing customers.• Leveraging our brand with new products into new

markets.• Focus on cost and process efficiencies.• Driving technological change, digital transformation

and online sales growth.• Leadership team has capability to grow the business

and deliver the growth strategy and shareholder value.• Focus on responsible lending to the right customers.• Improved assessment and collections processes to

drive down bad debt.

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