2015 Annual Meeting Safe Harbor Statement This presentation contains certain forward-looking statements regarding the company’s strategy, initiatives, and expected performance. These statements are often, but not always, made with words or phrases like “may,” “should,” “could,” “will,” “predict,” “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “projection” and similar expressions. Such statements are only predictions of the outcome and timing of future events based on our current expectations and currently available information and, accordingly, are subject to substantial risks, uncertainties and assumptions. 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, current or future litigation, or other factors beyond our control. 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. All written and oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the cautionary statement above. You should not place undue reliance on forward-looking statements. Each forward-looking statement speaks only as of the date of the particular statement, and, except as required by law, we undertake no duty to update or revise any forward-looking statement. Unless otherwise indicated, or the context otherwise requires, references in this offering memorandum to “EZCORP,” “the company,” “we,” “our” and “us” refer to EZCORP, Inc. and its subsidiaries. Company Overview EZCORP is a leading provider of pawn loans and consumer loans in the United States, Mexico and Canada Key Statistics* • • • • • • FY 2014 Financial Results* First Store: 1974 EZCORP, Inc. Founded: 1989 IPO Date: September 6, 1991 Headquarters: Austin, Texas Employees: 7,300 Stores: 1,400 U.S. & Canada • U.S. Pawn • U.S. Financial Services • CashMax • Cash Converters • • • • Net Earning Assets ($MM) Revenue ($MM) Net Income ($MM)** Market Capitalization ($MM) 433 990 76 538 Latin America • Grupo Finmart • Empeño Fácil • Cash Converters / TUYO * As of 9/30/2014 ** Adjusted Net Income from Continuing Operations attributable to EZCORP (non-GAAP) excluding discontinued operations, restructuring and other non-trendable items. Model For Success The Customer is at the Center of Everything We Do Customer Culture Strategy Brand EZCORP’s Strong Competitive Position PAWN FINANCIAL SERVICES STORE WITHIN A STORE Pawn & Financial Services PAWN, BUY BACK, BUY/SELL FINANCIAL SERVICES FINANCIAL SERVICES FINANCIAL SERVICES * *EZCORP exited its Online Lending businesses in the U.S. and the U.K. in October of 2014 2015 Annual Meeting