Firstcash Holdings, Inc. · NASDAQ:FCFS

Firstcash — First Cash Financial Services — Investor Presentation (November 2005)

30 slides from Firstcash's investor presentation, Nov 2, 2005

1. Slide 1: Investor Presentation

   Investor Presentation November 1, 2005

2. Slide 2: Safe Harbor Statement

   igh Safe Harbor Statement Now. 2005

3. Slide 3: Company Overview

   ot Company Overview I eal

4. Slide 4: Recognition and Rankings

   e - Recognition and Rankings Now. 2005

5. Slide 5: Company History

   : " Company History

6. Slide 6: Now. 2005

   Now. 2005

7. Slide 7: Geographic Markets & Product Offerings

   Geographic Markets & ae Product Offerings ¥ Now. 2005

8. Slide 8: Revenue Mix

   Revenue Mix Trailing 12 Months Ended Sept. 30, 2005 Millions $100 $80 a Revenues | Gross Profit

9. Slide 9: Pawn Products

   Pawn Products

10. Slide 10: Pawn Retail Metrics

11. Slide 11: Pawn Receivables

    Now. 2005 Pawn Receivables

12. Slide 12: Payday Advance Product

    Payday Advance Product ME 1, Brsttashhivance @ Now. 2005

13. Slide 13: Payday Advance Regulatory Landscape

    ts Payday Advance rat Regulatory Landscape Now. 2005

14. Slide 14: Credit Services Model

    Credit Services Model p 2a Utilized in Texas Now. 2005

15. Slide 15: Comparison of Texas Bank Model to CSO Model

    Now. 2005 Comparison of Texas Bank Model to CSO Model

16. Slide 16: Superior Performance & Financial Position

    Now. 2005 Superior Performance & Financial Position " Operating results — Industry leading performance metrics - Consistent growth — Increasing margins « Financial Position - Debt-free - Strong cash flows

17. Slide 17: Third Quarter 2005 Highlights

    Third Quarter 2005 rat Highlights Now. 2005

18. Slide 18: Earnings Per Share Growth

    Earnings Per Share Growth Now. 2005

19. Slide 19: oOo

    y) oOo Cc Cc = © Lu a (e) > O (= cd) y @ WY) eS {e) )

20. Slide 20: Operational Focus

    Operational Focus Pre-Tax Operating Income as Percentage of Revenues = Attention to key operational metrics: - Loan growth - Loan yields - Retail margins - Inventory management Expense control important part of corporate culture Sales associate & manager compensation plans reward store profitability

21. Slide 21: Net Cash Position

    - Net Cash Position Now. 2005

22. Slide 22: Utilization of Free Cash Flows

    Utilization of Free Cash Flows

23. Slide 23: Balance Sheet

    f . Balance Sheet | $140 Now. 2005

24. Slide 24: Growth Strategy

    Now. 2005 Growth Strategy = New store openings in multiple markets — United States — Mexico » Multiple products — Pawn loans & related retail - Payday advances - Credit services

25. Slide 25: New Store Openings

    New Store Openings = 4th Qtr = 8rd Qtr = 2nd Qtr ~ dst Qtr Now. 2005

26. Slide 26: Mexico Market: Unbanked Population and Cash Transactions

    = Over 80% of the population is estimated to be “unbanked” = 88% of all consumér transactions are made in cash

27. Slide 27: Mexico Expansion Markets

    ; Mexico Expansion Markets CHIHUAHUA COAHUILA DURANGO.

28. Slide 28: New Store Financial Model

    : - New Store Financial Model Now. 2005)

29. Slide 29: First Cash Summary

    : - First Cash Summary Now. 2005

30. Slide 30: Investor contact information

    Investor Presentation November 1, 2005 [GRAPHIC APPEARS HERE] Investor contact information: • Phone: 817.505.3199 • Email: investorrelations@firstcash.com • Website: www.firstcash.com [GRAPHIC APPEARS HERE] [GRAPHIC APPEARS HERE] Safe Harbor Statement • Certain statements included in this presentati

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