FIRST CASH FINANCIAL SERVICES INC Investor Presentation May

FIRST CASH FINANCIAL SERVICES, INC. Investor Presentation May 2014

SAFE HARBOR STATEMENT This presentation contains “forward-looking statements, ” as defined by the Private Securities Litigation Reform Act of 1995, that can be identified by words such as “believes, ” “expects, ” “projects, ” and similar expressions and involve numerous risks and uncertainties. The Company’s actual results could differ materially from those anticipated in such forward-looking statements as a result of certain factors, including those set forth in the Company’s filings with the Securities and Exchange Commission.

25 YEARS OF LEADERSHIP IN PAWN Founded in 1988 • Based in Arlington, TX • Public in 1991 with 12 stores • Current market cap of $1. 4 billion*, largest market cap of any pawn operator U. S. Operations • 310 stores • 12 U. S. states Mexico Operations • Started with 4 stores in 1999 • Currently operating 605 stores in 26 states • Largest full-service, large format pawn operator in Mexico *As of May 2, 2014

PAWNSHOP PROFILE q Neighborhood-based stores serving cashconstrained consumers: q Buy and sell popular pre-owned consumer products including § Consumer electronics & appliances § Jewelry, diamonds & watches § Power tools, musical instruments & sporting goods q Ready and immediate source of cash for customers looking to sell items q Source of small, short-term loans § Fully collateralized

SIGNIFICANT PAWN STORE GROWTH Driven primarily by organic growth coupled with strategic acquisitions Store count

REVENUE – GEOGRAPHIC DISTRIBUTION • Operations in two countries with the same business model and format – 310 stores in the U. S. – 605 stores in Mexico • Continued growth potential in both markets • Opportunity to expand this proven model to other Latin American countries Trailing Twelve Months Ended March 31, 2014

FOCUSED ON RETAIL OPPORTUNITY q Merchandise sales (including retail and scrap) account for 66% of total revenues, of which retail is a significant portion FIRST CASH REVENUE DISTRIBUTION q Merchandise acquired through forfeiture of pawn loan collateral and direct buys from customers q Emphasis on driving foot traffic q High inventory turnover (3. 6 x in 2013) q Gross retail margins exceed those of traditional value-oriented retailers 66% Merchandis e Sales q FCFS retail margin of 39. 7% q Peer Group average retail margin: 31. 1% Peer group includes: Dollar General, Ross Stores, Dollar Tree, Price. Smart, Tuesday Morning and Big Lots; LTM as of MRQ 7

RETAIL TRAFFIC DRIVERS • In-store transactions • • • Retail sales Pawn loans and buys Pawn payments and redemptions • Layaway programs drive multiple store visits • Interest-free installment payments collected weekly and/or monthly • Opportunity for customers to “Treasure Hunt” in stores • • Automatic price markdown timing “As seen on TV” – pawnshops are focus of popular reality shows

GROWING DEMAND FOR PAWNSHOPS q Many consumers in the U. S. and Mexico remain cash-constrained and value-conscious q “Unbanked and under-banked” customer base continues to be significant § 30% of U. S. households § 70% of households in Mexico q Strong customer value proposition § Immediate source of credit – less than 10 minutes § No underwriting, credit check, or bank account required § No collection activities or negative credit reporting q Traditional retailers and lenders do not effectively serve this customer due to: § Small transaction sizes § Weak (or lack of) credit history § Regulatory restrictions on other short-term credit & bank products

FIRST CASH PAWN METRICS Trailing Twelve Months Ended March 31, 2014 Pawn Receivables q Average loan size: § $173 in U. S. § $69 in Mexico q Term: 30 days q Typical monthly service charge: § 5% to 20% § Varies with size of loan q All loans fully collateralized: nonperforming pawns become inventory q q Retail sales margin Effective monthly yield on pawn receivables Inventory turnover, annualized Store operating profit margin 39% 14% 3. 6 x 26%

SIGNIFICANT BARRIERS TO ENTRY Significant barriers to entry in both the United States and Mexico make it difficult for new competitors to enter the space UNITED STATES q Key markets for First Cash have significant licensing restrictions limiting ability of competitors to establish new, competing locations q Texas - per state law, in large counties (over 250, 000 population) new licenses not granted within 2 miles of any other pawn shop q Maryland/DC/Virginia - most counties and DC have hard caps on the number of licenses and are not granting new ones q Colorado - most larger, metropolitan cities and suburbs have ceased issuing new pawn licenses MEXICO q First Cash has significant first-mover advantage q De novo strategy requires significant capital investment, operating expertise, and development of human capital q Other public pawn operators are currently not growing significantly in Mexico q Must allow for a long time horizon to compete with FCFS q Extremely limited acquisition opportunities in large format space q New regulations and reporting requirements work in favor of larger, more sophisticated operators such as 11 FCFS

STABLE REGULATORY ENVIRONMENT Regulator and consumer advocate groups have been focused on the “cycle-ofdebt” and collection practices of the payday lending industry. First Cash’s business is dominated by pawn retail sales and pawn lending, which provides non-recourse loans with no collection activity, mitigating much of the regulatory focus UNITED STATES MEXICO q Pawn regulated primarily at state level q FCFS operates in states with favorable regulatory environment q No material changes to pawn regulations in 30+ years q While pawn is technically covered at the federal level by Consumer Financial Protection Bureau (“CFPB”), pawn remains a low priority for CFPB q Focused on payday q Cycle of debt q Collections q Pawn regulated at the federal level by Federal Consumer Protection Bureau (“PROFECO”) q Regulates terms of pawn loan q No rate-setting authority q January 2013 law requires all pawn businesses to register with PROFECO q Requires compliance with additional customer notice and disclosures q New PROFECO requirements have led to suspension or closure of

UNIQUELY POSITIONED - LIMITED EXPOSURE TO PAYDAY PRODUCT q Other large public pawn operators generate significant revenue from payday, payroll, online lending, title and installment lending products FIRST CASH REVENUE DISTRIBUTION q Other pawn operators average payday as percentage of total revenue: 45. 8% q First Cash has continued to divest its payday business over time q In 2013, discontinued Cash & Go payday/check cashing joint venture q In 2012 and 2013, closed 21 consumer loan stores in Texas q In 2010, discontinued internet-based credit services in Maryland REVENUE DISTRIBUTION OF OTHER PAWN OPERATORS Cash America International EZCORP, Inc. q In 2009, sold 30 payday/consumer loan stores across four states q First Cash is now uniquely positioned as the only large “pure” (~90%) pawn operator Other pawn operators include: Cash America International, DFC Global Corp. and EZCORP, Inc. ; LTM as of most recent quarter. DFC Global Corp.

MEXICO OPERATIONS SIGNIFICANT GROWTH OPPORTUNITY

MEXICO REMAINS UNDERBANKED • An estimated 70% of population is unbanked or under-banked • Per capita consumer credit remains very low in comparison to U. S. and other Lat. Am countries • Mexico remains a cash-driven society • Even employees paid on company-issued debit cards quickly convert funds to cash Typical payday lines in Mexico: lines form at ATMs for cash withdrawals

MEXICO CONSUMER CREDIT PENETRATION Consumer credit to GDP in Mexico remains at the bottom of Latin America Source: Central Banks, Credit Suisse estimates

FIRST CASH MEXICO OPERATIONS IN 2008 As of September 30, 2008 Chihuahua Coahuila 241 STORES – 13 STATES: 200 Large format pawn stores 41 Consumer loan stores Nuevo Leon Baja California Tamaulipas San Luis Potosi Guanajuato Sonora Queretaro Durango Puebla Aguascalientes Jalisco

MEXICO OPERATIONS NOW As of March 31, 2014 Chihuahua Coahuila 605 STORES – 26 STATES 560 Large format pawn stores 17 Small format pawn stores 28 Consumer loan stores Nuevo Leon Baja California Sur Tamaulipas San Luis Potosi Guanajuato Sonora Queretaro Hidalgo Sinaloa Durango Zacatecas Puebla Veracruz Aguascalientes Jalisco Colima Michoacan Edo de Mexico Guerrero Distrito Federal Morelos Yucatan Quintana Roo

MEXICO MARKET PENETRATION As of December 31, 2013 Significant growth opportunity in both new and existing markets Tijuana Ensenad a First Cash Large Format Penetration 8 High Monterrey 14 Moderate 4 Low Population */ store <100 k per store 100 k – 300 k per store >300, 000 per store *Based on 115 million population in Mexico Cancún Cabo San Lucas Mexico City By comparison, Texas total pawn shop penetration averages approximately 20 k in population per store

COMPETITIVE LANDSCAPE IN MEXICO U. S. -BASED OPERATORS Large format store count (1) (2) As of September 30, 2013 As of June 30, 2013 (2) (1) EZCorp (EZPW) • In June, announced store closings in Mexico: • 52 small format stores • 5 large format stores • Approximately 12% of revenue derived out of Mexico in 2012 Cash America (CSH) • Fall 2012, announced significant store closings in Mexico • 148 mostly small format stores • No large format openings in 2013; limited number planned in 2014

CABO/LA PAZ ACQUISITION • In Q 3 2013, First Cash exercised an option to acquire 8 stores under the “Cash$Go” name in Baja California Sur (Cabo/La Paz) • Adds an additional state, making 26 total states in Mexico • Systems and management consolidation already completed

NEW STORE OPENING PROCESS Undeveloped Site Same Site After Redevelopment • Experienced real estate development team • Proven site selection strategy • Standardized store layouts, fixtures and equipment • State of the art security technology • Consistent process ensures that new stores are delivered on time and on budget

MEXICO STORE – INTERIOR OPERATIONS Proprietary systems allow us to optimize loan-to-value ratios for lending transactions Employees have access to real time sales data from all stores Track customer profiles to determine the optimal loan size Real time sales data also optimizes the margins for merchandise purchased from customers

MEXICO STORE - WAREHOUSE

TYPICAL MEXICO TRAINING FACILITY Extensive training program supports rapid store growth: • Approximately 600 stores provide a deep and well-established employee base for developing and training future store and area managers • Collaborative environment for sharing best practices • Key areas of store operations training • Proprietary FCFS systems • Merchandise valuation • Customer service • Negotiation & selling skills • Leadership development

MEXICO NEW STORE INVESTMENT Earnings drag associated with new store ramp-up presents compelling future earnings potential New Store Cash Flow TYPICAL MEXICO NEW STORE RAMP ($ in Thousands) Store Investment Cap Ex - Leasehold $175, 000 improvements & fixtures - Computer & security equipment 1 2 Start-up Losses $30, 000 - Pre-opening - First six months of operation Total Store Investment $205, 000 Working Capital First Year for New Store $125, 000 Revenue reflects peso exchange rate of 13: 1 Store-level operating profit before administrative expense & taxes MEXICO STORE ADDITIONS BY YEAR

MEXICO STORE AGING As of March 31, 2014 Average Age: 55 63 5 Years 63 66 65 293 30% of all stores are less than 3 years old 605

NEW MARKET OPPORTUNITIES • Long-term, we believe that the First Cash model can be replicated in other Latin American markets • Still significant runway in Mexico, but looking opportunistically for expansion opportunities in other markets with: • Large unbanked and under-banked populations • Limited competition in large format, full-service model • First Cash has a strong balance sheet and recent tax restructuring facilitates funding and development in other Lat Am markets

U. S. OPERATIONS

U. S. OPERATIONS As of March 31, 2014 3 1 29 4 4 119 310 STORES – 12 STATES Large Format Pawn Stores Small Format Pawn Stores Consumer Loan Stores 28 10 57 4 7 18 23 D. C 2 . 1

U. S. GROWTH OPPORTUNITY U. S. PAWN INDUSTRY IS HIGHLY FRAGMENTED q Approximately 10, 000 to 15, 000 pawn locations q The three largest public operators currently operate a small percentage of total stores q Continued opportunities for acquisitions q Target 5 -6 X EBITDA for acquisitions – highly accretive ATTRACTIVE INDUSTRY FUNDAMENTALS q 25% of U. S. households used alternative financial services products in last 12 months q 20% of U. S. households are underbanked (~24 million households) q 8% of U. S. households are unbanked (~10 million households) q 29% of U. S. households do not have a savings account U. S. LARGE-FORMAT STORE ADDITIONS BY YEAR Key Acquisitions q December 2013: Money Man (SC) q June 2013: Valu + Pawn (TX) q September 2012: Fast Cash (CO) q June 2012: Mister Money (CO/KY) Source: 2011 FDIC National Survey of Unbanked and Underbanked Households – published September 2012 Note: 2010 new stores includes two payday stores that were converted to pawn stores 31

RECENT U. S. ACQUISITIONS Valu+Pawn • • • Acquired June 2013 19 store locations in Texas Provides new pawn market for First Cash in Houston with 11 stores Money Man • • • Acquired December 2013 12 store locations in South Carolina Provides new pawn market for First Cash in Charleston, S. C.

VALU+PAWN STORES

GOLD EXPOSURE

COMPOSITION OF PAWN COLLATERAL U. S. reflects historical mix; Mexico focused on general merchandise, where competition is limited As of March 31, 2014 United States Mexico Consolidated Electronics, tools, and other general merchandise items Jewelry Note: Historically, over 75% of all pawn loans are redeemed, and the collateral is returned to the customer.

SOURCE OF GROSS PROFIT CONTRIBUTION 98% of YTD gross profit from retail sales and lending activity; limited jewelry scrap sales contribution % GP Contribution

SOLID LOAN GROWTH DESPITE HEADWINDS CAUSED BY LOWER GOLD PRICES Pawn loan balance compared to loan count Pawn loans (USD in millions) Pawn loan count (in thousands) • Consolidated growth in pawn loans due primarily to increased number of outstanding loans (transactions) • 18% increase in general merchandise (non-jewelry) loans offset reduced levels of gold lending in both the U. S. and Mexico

GOLD PRICE VS. AVERAGE PAWN LOAN Average loan size has been less volatile than gold prices. Note: Foreign operations were translated at a constant currency rate of 12. 5 MXN to USD for all periods presented.

Q 1 2014 OPERATING HIGHLIGHTS q Net Income from continuing operations of $0. 78 per share in Q 1 § 15% increase q Strong growth in core pawn revenues (pawn fees & retail sales): * § 20% increase q Retail sales increased 24% in Q 1 * • Up 35% in U. S. • Up 16% in Mexico q Pawn loan fees increased 13%, despite lower average loan sizes due to gold depreciation q Number of pawn loans at March 31 up 16% over prior year * Constant currency basis

EARNINGS PER SHARE GROWTH From Continuing Operations From 2008 -2013: 158% growth 21% 5 -year CAGR *As of the earnings release dated March 31, 2014

HISTORICAL FINANCIAL PERFORMANCE REVENUE GROSS PROFIT & MARGIN ($ in Millions) EBITDA & MARGIN 1 ($ in Millions) FREE CASH FLOW 2 ($ in Millions) 2 1 From Continuing Operations From Continuing and Discontinued Operations. Defined as CFO - Cap. Ex - Δ Loan Receivables Note: 2009 free cash flow impacted by liquidation of Auto Master

STRONG BALANCE SHEET Provides liquidity for expansion, acquisitions, and stock buybacks q Senior note offering: § Completed private offering Debt to EBITDA Ratio: 1. 45 to 1 of $200 million of senior notes § Provides long-term, fixedrate financing – due in 2021 § Diversifies capital structure to add non-bank debt q Favorable bank credit facility § $160 million facility w/ all available § Option of interest rates (LIBOR + 2. 5%) § Matures in 2019 As of March 31, 2014

FREE CASH FLOW Trailing Twelve Months Ended March 31, 2014 q Stable cash generation with limited volatility q Strong correlation between cash flows and earnings

STOCKHOLDERS’ EQUITY Millions Key Return Metrics* ROE: 22% ROA: 14% *Over Trailing Twelve Months Ending 3/31/2014

INVESTMENT THESIS • Pawn-focused business model – Strong margins & cash flows – Steady across economic cycles – Limited regulatory exposure • Proven growth strategy – Long-runway for growth in Mexico where competition is limited and barriers to entry are high – Roll-up and consolidation strategy in the U. S. where the business is fragmented and new competition is limited

FIRST CASH FINANCIAL SERVICES, INC. Investor Contact Information (817) 505 -3199 investorrelations@firstcash. com www. firstcash. com Gar Jackson Global IR Group (949) 873 -2789 gar@globalirgroup. com