INVESTOR

PRESENTATION

JUNE 2022

1

PRELIMINARY STATEMENTS

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 AVAILABLE 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 (GAAP), as well as a description of the important risk factors that may materially and adversely

affect our business, financial condition or results of operations.

ADJUSTED INFORMATION

Unless otherwise specified, all amounts in this

presentation reflect certain non-GAAP adjustments for various discrete items and constant currency. For a discussion of the

comparable GAAP amounts, see "EZCORP GAAP Results" and "GAAP to Non-GAAP Reconciliation"

in the Appendix.

COMPARISONS

All comparisons in this presentation are relative to same period in the prior year unless otherwise stated. In addition, percentages are calculated from the underlying numbers in millions and, as a result, may not agree to the percentages when calculated from numbers in thousands.

All market comparisons are based on available information from similar publicly traded companies.

DEFINED TERMS

See Appendix for definition of terms and acronyms used in this presentation.

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COMPANY OVERVIEW

Leader in Pawn and Pre-Owned and Recycled Retail

Formed in 1989, EZCORP has grown into a leading provider of pawn transactions in the United States and Latin America. We also sell pre-owned and recycled merchandise through a broad network of retail locations, with 1,152 stores and 6,600 team members in 5 countries.

We are dedicated to building shareholder value by satisfying the short-term cash needs of our customers, focusing on an industry leading experience that is fueled by continuous innovation.

NASDAQ: EZPW

USA

Mexico

Central America

516 Stores

511 Stores

Guatemala - 91, El Salvador - 18,

Honduras -16 Stores

1,152 stores in 5 countries

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COMPANY OVERVIEW

People, Pawn, Passion

  • Engaged workforce
  • Refined talent and performance management programs
  • Enhanced staffing strategies
  • Strengthened cultural alignment

Ready to Meet Our Customers' Needs

  • Cash on hand to fund pawn demand
  • Provider of affordable pre-owned and recycled general merchandise and jewelry

Scale-Enabled

  • 1,152 stores and 6,600 team members in 5 countries providing unique and essential services
  • Proprietary POS system

Diversified

  • U.S. Pawn - 516 stores
  • Latin America Pawn - 636 stores

Positioned for Core Pawn Growth

  • Strong balance sheet and liquidity
  • Able to operate successfully through economic cycles
  • Differentiated digital and IT platform

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Whether you come to Shop, Sell or Pawn -

the Possibilities are Endless

Electronics

Gaming Devices

Jewelry

Tools

Purses & Handbags

Shoes & Boots

Household

Musical Gear

Photography

Yard

Sports & Recreation

Transportation

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Disclaimer

EZCORP Inc. published this content on 15 June 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 16 June 2022 20:42:04 UTC.