CARFINCO FINANCIAL GROUP INC.

Assured Automotive Financing

TSX: CFN

Investor

Presentation

September 2013

This presentation contains certain statements that may be deemed "forward-looking statements". All

statements in this document, other than statements of historical fact, that address events or

developments that the Company expects to occur, are forward looking statements. Forward looking

statements are statements that are not historical facts and are generally, but not always, identified by

the words "expects", "plans", "anticipates", "believes", "intends", "estimates", "projects", "potential" and

similar expressions, or that events or conditions "will", "would", "may", "could" or "should" occur.

Although the Company believes the expectations expressed in such forward-looking statements are

based on reasonable assumptions, such statements are not guarantees of future performance and

actual results may differ materially from those in the forward-looking statements. Factors that could

cause the actual results to differ materially from those in forward looking statements include, failure to

successfully negotiate or subsequently close such transactions, inability to obtain required shareholder

or regulatory approvals, uncertainty with respect to findings under exploration programs and general

economic, market or business conditions. Investors are cautioned that any such statements are not

guarantees of future performance and actual results or developments may differ materially from those

projected in the forward-looking statements. Forward looking statements are based on the beliefs,

estimates and opinions of the Company's management on the date the statements are made. The

Company undertakes no obligation to update these forward-looking statements in the event that

management's beliefs, estimates or opinions, or other factors, should change.

Forward Looking Statements

Key Investment Highlights

Uniquely positioned, highly-

profitable, non-prime auto finance

Consistent

annual growth

Credit facility recently expanded

to $205 million

Banking syndicate

Key Investment Highlights

Barriers to entry: call center,

software system, technology

Principal balance of finance

receivables at end of June 2013

Management highly experienced

with large ownership, no options

$213.5 Million

21,400 Customers

Disciplined system of credit

control checks & balances

Funding

Banking Syndicate

• Bank of America, N.A. • Wells Fargo Financial Corporation Canada • Bank of Montreal • ATB Financial

Facility Size • $205 million

Increase in Facility Size

• February 2008: Increased facility from $65mm to $85mm and added Bank of Montreal to syndicate

• December 2008: Wells Fargo Financial Corporation Canada added to syndicate

• June 2010: Increased facility from $85mm to $105mm • April 2011: Increased facility from $105mm to $130mm • October 2012: Increased facility from $130mm to $180mm • May 2013: Increased facility from $180mm to $205mm and added

ATB Financial to syndicate

Maturity • November 5, 2014

Rate • Bankers’ Acceptance Rate plus 3.25%

Leverage Ratio • 3.50:1

Geographically Diverse

1997 founded in Alberta. Over 1,900 dealers in 10 provinces

45% franchised dealers & 55% independent used car dealerships

Geographically diverse portfolio - 60% West & 40% East

West – 60% East – 40%

Strategic Entry Into U.S. Market

Competitive Position

A+

A

A-

B+

B

B-

C+

C

C-

D+

D

D-

2007 Current 2007 Current 2007 Current 2007 Current 2007 Current 2007 Current 2007 Current

Beacon Score As A % Of The Canadian Credit Market

0%

10%

20%

30%

40%

50%

60%

70%

No Score 000 - 619 [D] 620 - 649 [C] 650 - 679 [B] 680 - 719 [A] 720 - 999 [A+]

5%

11%

5% 7%

11%

61%

36%

58%

4% 2%

Canadian Market Carfinco Portfolio

Canadian Non-prime Market

Customer And Loan Profile

Our Customers

Average age: 36 Years

Average residency: 2.0 Years

Average job length: 4.0 Years

Average income: $3,500/month

Typical Loan

Loan size: $12,250

Average term: 50 months

Average payment: $424

Vehicle age: 5 years

Interest rate: 29.5%

Effective rate: 33.3%

Administration fee: $499

Growing Loan Portfolio

$ Millions

*

Note: Prepared using IFRS 2010-2013, previous prepared using GAAP * Q2 2013 revenues are annualized

PRINCIPAL OF FINANCE RECEIVABLES & REVENUES

21.9 26.0 31.6 32.6

48.3

59.6

71.8 77.4 74.8

96.5

109.3 113.8

141.1

167.6

201.5

213.5

2006 2007 2008 2009 2010 2011 2012 Q2 2013

Revenues

Finance Receivables

Quarterly EPS & Cash Dividends (cents)

Note: 2011 numbers after tax and 2010 forward prepared under IFRS

Return On Equity (%)

Impressive ROE

Note: 2006 through 2010 are percentages before tax

44.6

18.9

-9.0

33.6

79.4

55.5 52.2

41.8

2006 2007 2008 2009 2010 2011 2012 Q2 2013

Capital Structure

Issued:

Insiders: free-trading

Public: free-trading

Total issued:

Fully diluted:

No option plan

No warrants

3,562,484

22,908,969

26,471,453

26,471,453

SHARES

Leadership Team

Management

• Tracy Graf – President & CEO

• Troy Graf – COO

• Stephen Dykau – CFO

Board of Directors

• Tracy Graf – President & CEO

• David Prussky – Director, Patica Securities Ltd.

• David Rosenkrantz – Director, Patica Securities Ltd.

• J. Daryl MacLellan – President, Desante Financial Services Inc.

• Brent Channell – Managing Director, Spartan Fund

Management Inc.

• Maurice Kagan – CEO, Sparkle Solutions LP

• Simon Serruya – Chief Operating Officer, Yogen Frϋz

International Inc.

Share Price Chart

The Analysts

Target

Price

$12.50 $11.00 $11.75 $13.00

Strong Buy Buy Buy Outperform

Forecast

Revenue 2013 $83.6 million $87.0 million $75.6 million (interest revenue only)

$80.7 million

Forecast Net

Earnings/Share 2013 $0.91 $1.01 $0.87 $0.91

A Quick Look At Our History

20% annual growth past 3

years

Continued annual increase

target of 15 – 20%

As of June 2013:

• $213.5 million finance

receivables

• 21,400 customers

2012 net earnings increased

20.3%

Management and Board of

Directors own over 15%

Board intends to maintain min.

$0.04 per month cash dividend

ATB Financial increased loan

facility in May to $205 million with

flexibility for 72 month loans

$17 million financing in March

at $9.75 per share

• Flexibility to pursue

future opportunities

Consistent BUY

recommendations by Analysts

Q2 2013 continued strong

and consistent results

CARFINCO FINANCIAL GROUP INC.

Assured Automotive Financing

TSX: CFN

For further information, please contact:

Mr. Tracy A. Graf

President and CEO

Telephone: 1-888-486-4356

Facsimile: 1-888-486-7456

Email: tracy.graf@carfinco.com