July 29th 2015

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 presentation to “EZCORP,” “the company,” “we,” “our” and “us” refer to EZCORP, Inc. and its subsidiaries.

Safe Harbor Statement

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EZCORP has continued to experience a deterioration in share price and earnings

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0%

50%

100%

150%

200%

250%

Jan 2011

Jul 2011

Jan 2012

Jul 2012

Jan 2013

Jul 2013

Jan 2014

Jul 2014

Jan 2015

Jul 2015

Russell 2000 Index

EZCORP

Share Price Performance

Indexed to January 3rd, 2011 value As of July 23rd, 2015

Net Income1 & Operating Income2

US$, millions

Note: 1. Net income (Profit After Tax) attributable to EZCORP, Inc. 2. Income from continuing operations, net of tax. Numbers are before the restatement of financial statements related to Grupo Finmart loan portfolio issues

-46

34

144

5273

156

2014 2013 2012

Reported Operating Income Reported Net Income

First Cash

Cash America

As a result, we undertook a review of all our businesses. The review focused on assessing how we would achieve strategic, financial and execution success

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Select markets with attractive competitive

dynamics

Leverage core capabilities to build

sustainable competitive advantage

Undertake initiatives to win in selected markets based on competitive

advantage

STRATEGIC SUCCESS

Investments based on rigorous assessment of

risk and returns

Returns in excess of cost of equity / WACC

Sustainable EPS growth

FINANCIAL SUCCESS

EXECUTION SUCCESS UNDERPINNED BY MANAGEMENT TALENT

• Focus on businesses with – strong strategic positions – strong customer

relationships – attractive markets

• Close USFS – regulation – lack of scale – competitive pressures – capability issues

• Focus on – US Pawn – Grupo Finmart – Mexico Pawn

Our strategy is based on a need to Focus – Simplify – and Optimize our organization and businesses

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EZCORP 3 Year Strategy

Optimize Focus Simplify

• Simplify – operating model – organizational structure – key processes

• cost savings and efficiency improvements

• customer experience improved

• employee satisfaction enhanced

• Optimize – existing and future

investments based on rigorous assessment of risk and returns

– disciplined execution

Our vision and strategy are supported by four key imperatives with clear measures

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EZCORP’s Vision

Key Imperatives

Measures

To be the market leader in North America, within three years, in responsibly and respectfully meeting our customer’s desire for access to cash when they want it

Market Leading Customer Satisfaction

Exceptional Staff Engagement

Attractive Returns to Our Shareholders

Most Efficient Provider of Cash

• Lead in customer service among our peers in North America

• Create an environment for outstanding staff engagement

• Deliver leading returns to shareholders

• Be the most effective & efficient provider of our products & services

• Top quartile mystery shopper results1

• #1 in Net Promoter Score versus peers1

• Low turnover rate • Top 25% in staff

engagement survey1

• EPS growth • ROE above cost of

equity

• Cost to income ratio • Time to cash

Notes: 1. Externally commissioned measures

We will FOCUS on the three businesses in attractive markets where we have strong strategic positions, strong relationships with customers and strong capabilities

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Demand Competitive

Dynamics Regulatory

Strength of Strategic Position

Strength in Customer

Satisfaction Strength of

Capabilities

Overall Strategic

Assessment

Business

Demand for Product & Services

Nature of Competition

Regulatory Environment

Top 3 Player by Size

Meeting the Needs of

Customers

Possess Core Capabilities to

Win

✓✓ ✓✓ ✓✓ ✓✓ ✓✓ ✓✓ ✓✓

✓✓ ✓✓ ✓✓ ✓✓ ✓✓ ✓ ✓✓

✓✓ ✓✓ ✓✓ ✓ ✓✓ ✓✓ ✓✓

✓✓ ✗ ✗✗ ✗✗ ✓ ✗✗ ✗

US Pawn

Grupo Finmart

Mexico Pawn

USFS

Market Attractiveness

The decision to close our USFS business was driven by regulation, competitive pressures and capability

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Regulation

Competitive Pressures

Capability

Strategic Rationale

• CFPB • Texas city ordinances • Other state regulations

• USFS is sub-scale (#6) • Regulation will require scale • Larger competitors better positioned

• Key capability deficiencies (e.g. product, systems, processes) • Substantial investment in time and costs is required for marginal returns

• Accelerating downward returns due to regulation • The close option is the optimal option • Three key businesses offer superior returns

US Pawn, Mexico Pawn and Grupo Finmart have sound foundations for future success

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US Pawn Grupo Finmart Mexico Pawn

Market Attractivene

ss & Strategic

Position

• #2 position in a highly fragmented market

• Organic growth opportunities to increase market share

• Strong underlying demand for pawn

• Good market position in the “large” store format segment

• Very attractive market growth

• Attractive margins from vertically integrated model

• Strong #3 position in a consolidating market

• Upside in both existing and new government agency convenios

Customer Satisfaction

• Strong customer satisfaction • Positive customer satisfaction

• Outstanding customer satisfaction

Capabilities

• Strong operational capabilities and metrics

• Comparative store growth upside

• Improving key operational capabilities and metrics

• Comparative store growth upside

• Strong capabilities in front-office activities

• Needs investments in systems and processes to support future growth

Market Attractiveness

& Strategic Position

Customer Satisfaction

Capabilities

Each of the three businesses enjoys strong to outstanding customer satisfaction performance

Note: 1. Derived NPS 2. Six month average September 2014 to February 2015 Source: Customer Surveys 10

Other Competitor

Brands

+36

Major Competitor

+39

+34

EZPAWN Grupo Finmart2

+48

Net Promoter Scores

Empeno Facil1

+17

US Pawn Grupo Finmart Mexico Pawn

We will leverage our strong customer satisfaction levels to achieve customer leadership. We will achieve this through four key levers

Note: Grupo Finmart operates via Field Offices 11

CUSTOMER LEADERSHIP LEVERS

Customer Leadership

Marketing & Customer

Systems & Processes

Store & Field Office Staff

Store & Field Office Presentation

•Measurement of customer experience

•Marketing underpinned by analytics to drive superior customer experience

•Efficient and effective end-to-end customer experience

•Higher tenured & trained store and field office staff

•Enhanced customer relationship

•Attractive environment for customers

We will invest on average ~$15M per annum in capital expenditures across the four key levers over the next three years

Note: Initatives apply to all businesses unless otherwise noted. GF = Grupo Finmart 12

SELECTED CUSTOMER LEADERSHIP INITIATIVES

Customer Leadership

Marketing & Customer

Systems & Processes

Store & Field Office Staff

Store & Field Office Presentation

•Automated back office (GF) •Online/mobile channel (GF) •New point-of-sale

technology (Pawn) •Improved broadband

(Pawn)

•Store revitalization (Pawn)

•Workforce management (Pawn) •Field sales tools (GF)

•Advanced data warehouse •Mystery shopper program •Comprehensive Net

Promoter Score program •Training (Pawn) •Incentive compensation

Our new strategy requires a simpler, less costly and more efficient operating model and structure

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US Pawn

Mexico Pawn

Grupo Finmart

Cen

traliz

ed IT

Cen

traliz

ed F

inan

ce

Cen

traliz

ed H

uman

Res

ourc

es

Oth

er C

entra

lized

Sha

red

Ser

vice

s US Pawn

Mexico Pawn

Grupo Finmart

IT Finance

Human Resources Marketing

IT Finance

Human Resources Marketing

IT Finance

Human Resources Marketing

USFS

IT Finance

Human Resources Marketing

CURRENT AND FUTURE EZCORP OPERATING MODELS

Current Future

Head

Offi

ce IT

Head

Offi

ce F

inan

ce

Hea

d O

ffice

Hum

an R

esou

rces

O

ther

Hea

d O

ffice

Sha

red

Ser

vice

s

We will achieve annualized reductions in our overhead costs of at least $34m after three years

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$12m saving from closing USFS

$9m in net D&A savings (write-offs offset by

CAPEX)

$13m cost out from operating model / spans & layers

changes and procurement savings

OVERHEAD COST REDUCTION INITIATIVES US$, M

Our strategy will result in impairments and write-downs / write-offs / charges of approximately $75-85m

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WRITE-DOWNS/WRITE-OFFS/CHARGES US$, M

$75-85m Profit Before Tax Impact

$20-25m Pre-Tax Cash Impact

$5-10m Post-Tax Cash Impact

• Store/Facilities Exit Costs • Employee Severance and

Retention Payments • Asset/Goodwill Impairment

or Write-downs

• Tax Benefits from Deduction of Non-Cash Write-Offs

We have a clear and focused strategic direction: 1. Businesses in attractive markets, with strong strategic positions, strong capabilities

and excellent growth prospects. Exit those businesses without these characteristics

2. An operating model and business structure that supports the execution of our strategic direction

3. An investment in technology that simplifies processes, improves efficiency, enhances the customer experience and enhances employee satisfaction

4. Returns on investments above our cost of equity based on rigorous financial evaluation and disciplined execution

5. Consistent growth in earnings per share over the long term

Summary – Focus. Simplify. Optimize

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