Investor Update

Business Transformation

Delivering Results

September 13, 2016

Preliminary Statements

2

Forward Looking Statements

This document contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements. 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 and current or future litigation. 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. The company undertakes no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or

changes to future operating results over time.

Other Information

This information should be read in conjunction with, and not in lieu of, the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission.

Those reports contain important information about the company’s business and performance, including financial statements prepared in accordance with U.S. generally accepted accounting principles, as well as a description of the important risk factors that may materially and adversely affect our business, financial condition or results of operations.

Company Overview

Unless otherwise noted, all financial information included in this presentation is as of June 30, 2016 and is presented on an “adjusted basis,” which

includes presentation of amounts on a constant currency basis; excludes closed Mexico buy/sell business; and certain other discrete items.

See the Appendix for a reconciliation to the comparable GAAP information.

All comparisons unless stated are Q3FY16 relative to Q3FY15. See appendix for definition of terms.

* Assumes completion of Grupo Finmart sale

** Continuing operations excluding closed Mexico buy/sell business

3

KEY STATISTICS

Founded 1989

IPO Date 8/27/1991

Headquarters Austin, TX

Market Capitalization (as of 9/2/16) $537m

Institutional Holdings 88%

52 Week Price Range (as of 9/2/16) $2.44 to $10.62

Adjusted Total Revenue (LTM)** $728.9m

Adjusted EBITDA (LTM)** $65.7m

Employees ~5,600

Index inclusion: Russell 2000, S&P SmallCap 600, S&P 1000, NASDAQ Composite

PAWN STORE LOCATIONS

United States 522

Mexico 238

FINANCIAL SERVICES LOCATIONS*

Cash Max in Canada 27

U.S. Pawn

84%

Other

1%

Mexico Pawn 15%

EZCORP Revenue by Type*

After the sale of Grupo Finmart, 99% of EZCORP

revenue will be generated from our U.S. and Mexico

pawn businesses.

EZCORP is a leading provider of pawn loans in the

United States and Mexico. At our pawn stores we

also sell merchandise, primarily collateral forfeited

from pawn lending operations and used

merchandise purchased from customers.

EZCORP Has Exited Most Non-Pawn Businesses

And Driving Shareholder Value

4

EZCORP September 2014

U.S. Pawn

Mexico Pawn

Canada Cash Max

U.S. Financial Services

Tuyo U.S.

Online Lending

U.K.

Online Lending

Cash Converters

Grupo Finmart

Canada Mexico

*After the sale of Grupo, 99% of EZCORP revenue will be generated from

our U.S. and Mexico pawn businesses

EZCORP Share Price Performance September 2014 to September 2016

EZCORP September 2016* Simplifying, Focusing and Optimizing the Business

U.S. PAWN

84%

MEXICO PAWN

15%

CANADA

CASH MAX

1%

5

This Slide Intentionally Left Blank

Our Focus On Customer

6

Lead the market in serving and satisfying short-term cash

needs of consumers unable to access traditional credit

products

CUSTOMER FEEDBACK

Q3FY16* EZCORP U.S. Customer Feedback

• Comprehensive Mystery Shop program measures up 6%

• Net Promoter Score to 46 points from 39 points

Q3FY16* EZCORP Mexico Customer Feedback

• Comprehensive Mystery Shop program measures up 12%

• Net Promoter Score improved to 50 from 48

* Sequential scores in U.S. and Mexico. U.S. was previously measured in Q2FY16 and Mexico in Q1FY16.

U.S. Pawn Industry

Remains Highly Fragmented and Attractive

Continued opportunities for

accretive acquisitions

EZCORP Adding Value

To Acquisitions • Systems

• Processes

• Capital

• People

7

Pawn Stores

EZCORP

4%

Pawn Stores

FirstCash

9%

Pawn Stores

Held By

Independent

Owner

Operators

87%*

Total U.S. Pawn Stores Estimated About 13,000

* 2013 FDIC National Survey of Unbanked and Underbanked Households;” published October 2014

EZCORP Serves a Large U.S. Market

20% of U.S. Households

are underbanked

(~25 million households)*

8% of U.S. Households

are unbanked

(~10 million households)*

U.S. Pawn Store Map

8

EZCORP pawn platform supports geographic diversity of store mix

Stable state regulation; rate setting authority is at state level

NY

WA

MT ND

SD

WY

ID

CA

NM

KS

NE

MO KY

LA

SC

NC

WV

OH

MI

ME

VT

MA

NH

CT RI

PA

VA

2

5

8

GA

99

FL

AL

5

2

MS

1

AR

1

OK

21

TX

218

AZ

20

CO

37

UT

10

NV

16

OR

5

MN

7 WI

3

IA

11 IL

22

IN

16

TN 13

NJ

DE

MD

33

12

27

7

3

1

18

438

24

8 46

77

27

41

6

26

25

25 44

120

44

29

3

AK

6

522 EZCORP U.S. Pawn store locations

EZCORP Stores

FirstCash Stores

TX

42%

FL

19%

CO

7% IL

4%

OK

4% AZ

4%

NV

3%

Other

17%

EZCORP U.S. Store Mix

35

31

1. Coahuila (5)

2. Nuevo León (7)

3. Tamaulipas (6)

4. San Luis Potosí (1)

5. Veracruz (31)

6. Aguascalientes (4)

7. Jalisco (16)

8. Guanajuato (15)

9. Querétaro (6)

10. Hidalgo (6)

11. Michoacán (7)

12. Estado de México (42)

13. Ciudad de México (41)

14. Morelos (4)

15. Tlaxcala (3)

16. Puebla (11)

17. Guerrero (7)

18. Oaxaca (4)

19. Chiapas (7)

20. Tabasco (7)

21. Campeche (4)

22. Quintana Roo (4)

9

EZCORP Mexico Pawn Store Map

Morelos

1

2

3

4 5

6

7 11

16

17 18 19

20 21

22

12 13

14

15

16

8 9 10

238 EZCORP Mexico Pawn store locations

Strong Corporate Performance

Driven By Continued Momentum In Pawn Operations

10

EZCORP Continuing Operations Adjusted Results (Excludes Grupo Finmart)**

High operating leverage and efficiently managing the business drove $9.8m

increase in Net Revenue and $8.3m increase in Profit Before Tax Net Revenue increase with strong same store metrics in Q3:

• PLO increased 11% • PSC revenue increased 10% • Merchandise sales gross profit increased

10% Continued expense management with corporate costs15% lower in Q3; tracking

toward annual corporate expense of ~$50m by FY18*** EBITDA percentage increase in Q3 and YTD higher than net revenue growth, evidenced by strong operational leverage

* Represents an increase or decrease in excess of 1500% or not meaningful ** Adjusted for restructuring and restatement charges, other discrete items and constant currency. Mexico Pawn excludes closed buy/sell businesses. See GAAP to non-GAAP reconciliation. All amounts in millions. ***Corporate expense” in this presentation refers to the “Administrative” line in SEC quarterly reports.

et Re

Pawn 101: Understanding Pawn Growth Drivers

11

+ - = =

INCOME STATEMENT ASSETS

Purchases +

Forfeitures NET REVENUE

Pawn Loans Outstanding are secured loans, typically small, and fully collateralized by tangible personal property. No personal recourse to customers or negative credit reporting.

We earn Pawn Service Charge revenue on our pawn loans which varies primarily based upon statutory rates by state and loan valuations.

Inventory for retail sales occur through pawn loan forfeitures and purchases of customers’ merchandise. If customer does not repay, renew or extend a loan, the collateral is forfeited to us and becomes inventory available for sale to drive sales gross profit.

Same Store basis is the most effective measure of pawn growth.

TOTAL EXPENSES

PROFIT BEFORE

TAX

Key Growth Drivers

Pawn Service Charges

#3

Pawn Loans Outstanding

#2

Merchandise & Scrap Gross

Profit

#5

Pawn Loans Outstanding (PLO) is the most influential driver to revenue and profitability. EZCORP had market leading Same Store PLO growth in Q3FY16 relative to publicly traded pawn companies driven by intense focus on market leadership in serving and satisfying customers’ needs for cash

Inventory

#4

Quality Store

Manager

#1

Purchases +

Forfeitures

Earning Assets Drive Strong Profitable Growth

12 Adjusted for restructuring charges and other discrete items. See GAAP to non-GAAP reconciliation

+ - = =

INCOME STATEMENT

Pawn Service Charges Total

Up 10% to $54m PLO Monthly Yield

14%

Merch & Scrap Gross Profit Total Up 8%

to $31m

Merch margin to 37% from 35%

ASSETS SAME STORE UP 8%

SAME STORE UP

6% Inventory

Total Up 18%

to $113m

NET REVENUE Up 9% to $86m

• Continued growth in U.S. pawn, Same Store PLO up

10%

• Redemption rate consistent at 85%

• PLO monthly yield unchanged at 14%

TOTAL EXPENSES Up 5% to $66m

PROFIT BEFORE TAX

Up 25% to $20m

• Pawn loan forfeitures increased proportional to increase in PLO,

resulted in growth in inventory during period of lower sales demand;

resulted in:

- Inventory annual turns to 2.2x from 2.4x

- Inventory monthly yield of 9% compared to 10% last year

U.S. Pawn Q3FY16

Pawn Loans Outstanding

Total Up 13%

to $144m

SAME STORE UP

10%

Quality Store

Manager

SAME STORE UP 16%

#1

Earning Assets Drive Strong Profitable Growth

13

+ - = =

INCOME STATEMENT

Pawn Service Charges Total

Up 20% to $9.5m

PLO Monthly Yield 16%

Merch & Scrap Gross Profit

Total Up 48% to $5.5m

Merch margin to

33% from 27%

ASSETS

SAME STORE UP 20%

SAME STORE UP

45%

Purchases +

Forfeitures

Pawn Loans Outstanding

Total Up 19% to $19m

Inventory Total

Up 21% to $20m

SAME STORE UP 19%

NET REVENUE Up 28% to $15m

TOTAL EXPENSES Up 1% to $11m

PROFIT BEFORE TAX

Up 237% to $4m

• Continued growth in Mexico Pawn, Same Store PLO up

19%

• Redemption rate increased to 77% from 76%

• PLO monthly yield unchanged at 16%

• Inventory monthly yield increased to 9% from 8%

• Inventory annual turns of 2.3x from 2.7x last year driven by clearing of aged merchandise in prior year

Mexico Pawn Q3FY16

Adjusted for restructuring charges, other discrete items, constant currency and excludes closed Mexico buy/sell business. See GAAP to non-GAAP reconciliation.

Quality Store

Manager

SAME STORE UP 21%

#1

1

Pawn fundamentals

continue to improve Financial

restatement

U.S. Financial Services

business closed

Renewed Executive

Leadership Team

including CEO, CFO,

President of Pawn

Execution of 3-Year Strategic Plan:

Building Platform For Profitable Growth

14

25 Pawn Stores

acquired in FY15

Closed 25 underperforming

pawn stores in U.S.

and Mexico in FY15

Definitive

Agreement to sell

Grupo Finmart

Investment in District

Managers (to 67 from 55)

enabling more coaching &

mentoring

Transformational customer focused

3-year strategic plan released

6 U.S. pawn stores

acquired in Q2FY16 Procurement

opportunities identified

Store incentive

plans revised

Upgrading

POS technology

Investing in customer

data analytics

Mexico Buy/Sell

business closed

JULY

2015

Implementing

workforce

management system

Received commitment

for a $100 million

secured credit facility to

support business Tracking toward annual

corporate expense of

~$50m by FY18

JULY

2016

Process

Reengineering

Program

15

Largely new Executive team in place with incentives primarily tied to EBITDA

Store incentive programs revised

Increased investment in District Managers (to 67 from 55) enabling more coaching

& mentoring

Investing in additional training at all levels

Track Record of Execution

Disciplined Growth &

Strong Performance

Attractive Industry

Dynamics

• High operating leverage and efficiently managing pawn businesses with strong

growth in Net Revenue and Profit Before Tax in recent quarters

• Continued growth in Same Store PLO in Q3, up 10% in U.S. and up 19% in Mexico

• Continued expense management with corporate costs 15% lower in Q3;

tracking toward annual corporate expense of ~$50m by FY18

• Closing non-performing stores and disciplined acquisition program

EZCORP Strengths

Improving Talent &

Capability

Consistently executing on 3-Year Strategic Plan, announced in July 2015:

Closure of U.S. Financial Services business, ahead of time and budget

Sale of Grupo Finmart business on track to be completed by September 30,

2016

Commitment for new $100m secured credit facility

• Large and highly fragmented consumer market in U.S. and Mexico

• Solid demand for pawn services across economic cycles

• Fully collateralized performing loan portfolio

• No personal recourse to customers or negative credit reporting

• Stable pawn regulatory environment

– Rate setting authority in U.S. is at state level, no government rate setting in

Mexico

16

Additional Information

Investor Resources

(http://investors.ezcorp.com)

• Helpful links to presentations,

transcripts, and financial results

• Three Year Strategic Program

announced in July 2015

Definition of Terms

18

PLO Yield =

pawn service charges

days in period average PLO

X 365

Inventory Yield =

merch. SGP + scrap SGP days in period

average net inventory

X 365

Return on Earning Assets

merch. SGP + scrap SGP + PSC days in period

average net inventory + average PLO

X 365

Inventory Turnover =

total cost of sales days in period

average net inventory

X 365

=

Leverage on Operations with Net Revenue Up $6.6 million to $100 million, and

Income From Continuing Operations Before Taxes Up $7.6 million to $3.8 million

19 * Represents an increase or decrease in excess of 1500% or not meaningful All amounts in millions

EZCORP GAAP Results

Commitment to customer experience driving improved Net Revenue and higher

Profit Before Tax with improved same store metrics in Q3:

– Pawn Loans Outstanding (PLO) up 9% – Pawn Service Charges (PSC) up 8% – Merchandise Sales Gross Profit up 8%

YTD total revenue driven by $11m

improvement in PSC Revenue offset by lower Scrap Sales of $14m Negative FX impact of $14m on revenue and $8m on net revenue Efficiently managing the business, leveraging a 7% growth in Net Revenue to

a 200% increase in Profit Before Tax YTD corporate expense increase primarily due to restatement costs of $4.2m

et Re

Serving and Satisfying Customers’ Desire for Access

to Cash Is Fueling Performance

Adjusted for discrete items All amounts in millions

20

Encouraging results in early stages of our

three-year strategic

plan

Strategic Plan

Announcement

• Continued focus on customer experience has led to double-digit Same Store PLO growth in Q3, driving a $4.8M or 10% increase in PSC, the largest component of net revenue

• Merchandise gross profit increase reflects ongoing improvements in loan valuation and pricing disciplines

• Continued improvement in aged inventory reduced to 9% • EZCORP historically has higher first half net revenue, merchandise

gross profit and profitability reflective of seasonal impact of tax refunds to customers, Christmas and Valentines Day

U.S. Pawn

Serving and Satisfying Customers’ Desire for Access

to Cash Is Fueling Performance

$ 1

Adjusted for discrete items, constant currency and excludes closed Mexico buy/sell business All amounts in millions

21

• Continued focus on customer experience has led to eight consecutive quarters of double-digit PLO growth

• Strong PLO growth resulted in 20% growth in PSC

• Continued strong merchandise gross profit up 48% and margin

expansion up 600bps to 33% driven by discipline in pawn loan valuation, retail pricing cadences, and lower aged inventory levels

Mexico Pawn

*See GAAP to non-GAAP reconciliation.

All comparisons unless stated are to Q3FY15. See appendix for definition of terms 22

GAAP to Non-GAAP Reconciliations

23

GAAP to Non-GAAP Reconciliation Q3 – Continuing Operations*

Footnote * - Includes immaterial presentation reclassifications and rounding

Footnote (A) Amount includes $(0.1) million for Corporate expenses related to restatement

Footnote (B) Amount includes $0.2 million Gain/ Loss on FX in Corporate

Footnote (C) Amount includes $0.4 million Gain/ Loss on FX in Corporate

*For condensed consolidated balance sheet items, the end of period rate as of June 30, 2016 of 18.6 to 1 was used, compared to the end of period rate as of June 30, 2015 of 15.7 to 1. For

condensed consolidated statement of operations items, the average closing daily exchange rate for the appropriate period was used. The average exchange rates for the current three and nine-

months ended June 30, 2016 were 18.1 to 1 and 17.6 to 1, respectively, as compared to the prior year three and nine-months ended June 30, 2015 rates of 15.3 to 1 and 14.7 to 1, respectively.

Constant currency results, where presented, also exclude foreign currency gain or loss.

(C)

(A)

(B)

24

GAAP to Non-GAAP Reconciliation YTD June – Continuing Operations*

Footnote * - Includes immaterial presentation reclassification and rounding

Footnote (A) Amount includes $4.2 million related to restatement and $(0.1) million of discrete Corporate items

Footnote (B) Amount includes $1.4 million of restructuring expenses ($1.0 million of U.S. Pawn, $0.2 million of Corporate, and $0.2 million of Other International) and ($0.2) million of discrete

adjustments in Corporate

Footnote (C) Amount includes $0.1 million of Corporate discrete items

Footnote (D) Amount includes $0.8 million Corporate restructuring expense, $0.6 million of discrete items ($0.1 million of U.S. Pawn, $0.3 million of Mexico Pawn and $0.2 million of Corporate)

*For condensed consolidated balance sheet items, the end of period rate as of June 30, 2016 of 18.6 to 1 was used, compared to the end of period rate as of June 30, 2015 of 15.7 to 1. For

condensed consolidated statement of operations items, the average closing daily exchange rate for the appropriate period was used. The average exchange rates for the current three and nine-

months ended June 30, 2016 were 18.1 to 1 and 17.6 to 1, respectively, as compared to the prior year three and nine-months ended June 30, 2015 rates of 15.3 to 1 and 14.7 to 1, respectively.

Constant currency results, where presented, also exclude foreign currency gain or loss.

(C) (D) (E) (F)

(A)

(B)

(C)

(D)

25

GAAP to Non-GAAP Reconciliation Q3 – U.S. Pawn*

Footnote * - Includes immaterial presentation reclassification and rounding

Footnote (A) Amount includes $0.1 million of asset write-offs

(A)

(D)

26

GAAP to Non-GAAP Reconciliation YTD June – U.S. Pawn*

Footnote * - Includes immaterial presentation reclassification and rounding

Footnote (A) Amount includes $1.0 million of restructuring expense

Footnote (B) Amount includes $0.1 million of asset write-offs

(A)

(D) (E) (F)

(B)

27

GAAP to Non-GAAP Reconciliation Q3 – Mexico Pawn*

Footnote * - Includes $0.3 million presentation reclassification between other revenues/operating expenses and rounding

*For condensed consolidated balance sheet items, the end of period rate as of June 30, 2016 of 18.6 to 1 was used, compared to the end of period rate as of June 30,

2015 of 15.7 to 1. For condensed consolidated statement of operations items, the average closing daily exchange rate for the appropriate period was used. The average

exchange rates for the current three and nine-months ended June 30, 2016 were 18.1 to 1 and 17.6 to 1, respectively, as compared to the prior year three and nine-months

ended June 30, 2015 rates of 15.3 to 1 and 14.7 to 1, respectively. Constant currency results, where presented, also exclude foreign currency gain or loss.

28

GAAP to Non-GAAP Reconciliation YTD June – Mexico Pawn*

(A)

Footnote * - Includes $0.3 million presentation reclassification between other revenues/operating expenses and rounding

Footnote (A) Amount includes $0.3 million of discrete items

*For condensed consolidated balance sheet items, the end of period rate as of June 30, 2016 of 18.6 to 1 was used, compared to the end of period rate as of June 30,

2015 of 15.7 to 1. For condensed consolidated statement of operations items, the average closing daily exchange rate for the appropriate period was used. The average

exchange rates for the current three and nine-months ended June 30, 2016 were 18.1 to 1 and 17.6 to 1, respectively, as compared to the prior year three and nine-months

ended June 30, 2015 rates of 15.3 to 1 and 14.7 to 1, respectively. Constant currency results, where presented, also exclude foreign currency gain or loss.

29

Trailing Twelve Month Reconciliations*

* Includes immaterial presentation reclassifications and rounding

Investor Relations Contact

30

Jeff Christensen, CPA Vice President, Investor Relations EZCORP, Inc. Email: jeff_christensen@ezcorp.com Phone: (512) 437-3545