GOEASY LTD.

INVESTOR PRESENTATION
Q4 2016
 Forward Looking Statements

This presentation includes forward-looking statements about goeasy, including, but not limited to, its business operations, strategy and expected
financial performance and condition. Forward-looking statements include, but are not limited to, those with respect to the estimated number of
new locations to be opened, targets for growth of the consumer loans receivable portfolio, annual revenue growth targets, strategic initiatives,
new product offerings and new delivery channels, anticipated cost savings, planned capital expenditures, anticipated capital requirements,
liquidity of the Company, plans and references to future operations and results and critical accounting estimates. In certain cases, forward-looking
statements that are predictive in nature, depend upon or refer to future events or conditions, and/or can be identified by the use of words such
as expects, anticipates, intends, plans, believes, budgeted, estimates, forecasts, targets or negative versions thereof and similar
expressions, and/or state that certain actions, events or results may, could, would, might or will be taken, occur or be achieved.

Forward-looking statements are based on certain factors and assumptions, including expected growth, results of operations and business
prospects and are inherently subject to, among other things, risks, uncertainties and assumptions about the Companys operations, economic
factors and the industry generally, as well as those factors referred to in the section entitled Risk Factors. There can be no assurance that
forward-looking statements will prove to be accurate as actual results and future events could differ materially from those expressed or implied
by forward-looking statements made by the Company, due to, but not limited to important factors such as the Companys ability to enter into
new lease and/or financing agreements, collect on existing lease and/or financing agreements, open new locations on favourable terms, secure
new franchised locations, purchase products which appeal to customers at a competitive rate, respond to changes in legislation, react to
uncertainties related to regulatory action, raise capital under favourable terms, manage the impact of litigation (including shareholder litigation),
control costs at all levels of the organization and maintain and enhance the system of internal controls. The Company cautions that the foregoing
list is not exhaustive.

The reader is cautioned to consider these and other factors carefully and not place undue reliance on forward-looking statements, which may not
be appropriate for other purposes. The Company is under no obligation (and expressly disclaims any such obligation) to update or alter the
forward-looking statements whether as a result of new information, future events or otherwise, unless required by law.

2
 Mission
To be the leading full service provider of goods and alternative
financial services that improve the lives of everyday Canadians

Values

We play as a team We are relentless in We operate with We embrace We are invested in our
finding a way respect and integrity technology and communities
innovation

Operating since 1990 13.6 million shares outstanding

Based in Mississauga, Ontario Market capitalization ~ $400 million
1,700 employees Annual dividend of $0.72
Listed on the Toronto Stock Exchange Analyst coverage provided by 5 firms
(TSX: GSY)

3
 Overview of Business Segments

Established 1990 2006

Provides brand name home entertainment

Provides personal loans of $500 to $15,000,
products, computers, appliances and
Offering payable in regular installments over 9 to 60
household furniture through leases, with an
months
option to purchase

$ / % of Revenue (2016) $143M / 41% $204M / 59%

Key Assets (C$M) (Dec 2016) Lease Assets: $55M Consumer Loans Receivable: $371

176 Stores 208 Stores

Stores / Customers (Sep. 30, 2016)
~55,000 Customers ~90,000 Customers
Franchise Kiosks
16% 22%
SPE
1%

Breakdown of Stores
Stand
Corporate Alone
83% 78%

4
 Corporate Timeline

Dec 1990 Jul 2002 Dec 2003 Jan 2006 Sep 2008 Mar 2011 Oct 2012 Dec 2012 Nov 2013 Jul 2014 Oct 2014 Feb 2015 Jul 2015 Sep 2015
easyhome Completes Completes Opens first Acquires Establishes Secures Exchanges, Completes Secures new Launches Acquires 45 Establishes Corporate
Ltd. 10:1 reverse equity efs location Edmonton risk mgmt. $20.0M with Rent-A- equity $200.0M proprietary retail a national name
(formerly stock split offering of in based Insta- function and term loan Center, its offering of credit loan locations indirect change to
RTO 1.63M Edmonton rent Inc. centralized facility 15 1.385M facility application from Cash lending goeasy Ltd.
Enterprises) common credit corporate common mgmt. Store partnership to reflect
incorporate shares to decisioning stores in the shares to system with Leons importance
s in Alberta raise net U.S. for 15 raise net Furniture of both
proceeds of stores in proceeds of business
$12.5M Canada $19.0M units

Aug 1993 Dec 2010

Purchases Completes Dec 2014
Aumo May 2003 equity Winds down
Exploration Announces Jan 2007 offering of U.S. Jul 2015 Oct 2016
Inc. to rebranding Establishes 1.35M Jul 2011 operations, Acquires the Launchs
become a effort to a U.S. common Begins Jul 2013 Apr 2014 Sep 2014 including 14 Jul 2015 point of sale
public consolidate Jul 2004 subsidiary shares to operating Nov 2012 Increases efs launches Launches the sale of remaining Increases financing
company six retail Implements and enters raise net efs out of Launches term loan indirect new master U.S. RTO stores credit venture
incorporate brands to quarterly the U.S. proceeds of stand alone ecommerce facility to lending brand franchise from Rent- facility to with Sears
d in Ontario easyhome dividend market $10.7M locations websites $50.0M platform goeasy business A-Center $300.0M Canada

5
Experienced Management Team
David Ingram
President & CEO (2000)

Steve Goertz Jason Mullins Andrea Fiederer

EVP & CFO EVP & COO EVP Marketing & CMO
(2009) (2010) (2015)

Jason Appel Shane Pennell Caleb Rubin Colin Chisholm David Cooper
SVPSVP & CRO
Risk (2012)
& Analytics SVP Operations (2013) VP Digital (2017) VP Strategy & Corporate VP Human Resources (2015)
Development (2015)

Shadi Khatib Amin Khaki

SVP IT & CIO (2016) VP Operations Support (2015)

David Yeilding
SVP Finance (2010)
The goeasy Consumer
It's so uncomplicated, just a few pieces of documentation and the
response is quick. If you need this program, you're obviously in enough of
a stressful situation you don't need more stress. I'm so thankful and the
Who is the Typical goeasy Consumer?1
Gender skewed slightly to female
relief of one less financial burden is beyond words.
~ Mary-Anne C.
Age
Marital Status
35 45 years
< 50% married
I have been with easyhome for 13 years now. The President Takes You
Shopping is one of the best programs that easyhome has. It gives people
the chance to get things that we normally would not be able to afford,

Dependents between 1 and 2 dependents

Occupation / Industry
Employment Income
Household Income
Rent vs. Own
1Composite view of the average consumer for both easyhome and easyfinancial. Economic measures are
generally higher for easyfinancial consumers.
easyfinancial key customer statistics:
56%
of customers report having
no option other than
easyfinancial to borrow
from
and give our kids the things they deserve. Keep it up!
~ Ivy J.
bias towards service industry
By borrowing from easyfinancial and fulfilling my payments, I have a new
lease on life again. I wouldn't hesitate to recommend easyfinancial to
$35,000 - $45,000 per year
$60,000 - $70,000 per year
anyone especially if you are looking to improve your credit rating
~ Deborah T.
> 80% in rental properties My wife and I have always had excellent customer service with Jon and
his staff. The service and the feeling you get when youre in his store are
second to none.
~ Ray & Judy C.
They told me about how they could help me get out of the vicious circle
of payday loans. I'm very thankful for that.
~ Maria P.
60% 69% 73% 80%
of customers have been of customers say taking out of customers save a little or of customers struggle when
turned down by a bank an easyfinancial loan has nothing at all a financial emergency
reduced their financial comes up
stress

7
 The Canadian Non-Prime Consumer Credit Market

% Of Canadian Population Consumer Credit Market

Within Target FICO Band(1) by FICO Band(1) Opportunity
28M ~ $165B(2) ~ $165B(1)
100% 100% 100% 100.0% 100%

850+ 850+ 850+ 850+

80% 80% 80% 80.0% 80%
650-699
Market
800-849
800-849 800-849 800-849
60% 60% 60% 60.0% 60% Opportunity

750-799
750-799 750-799 750-799
40% 40% 40% 40.0% 40%
600-649
700-749
700-749 700-749 700-749 GSY market share
650-699
650-699 650-699 650-699 ~ 0.2%(2)
20% 20% 20% 550-599 20.0% 20%
600-649
600-649 ~7M 600-649 600-649
550-599
550-599 550-599 550-599
<549 <549 550-599
<549 <549 <549
0% 0% 0% 0.0% 0%
1 1 1 1 1 1

Strong opportunity for growth as there is plenty of runway within this market

Source: TransUnion
1: As at August 2016
2: As at January 2017

8
 The Canadian Non-Prime Consumer Credit Market

Non-Prime Consumer Credit <= $20,000 Non-Prime Installment Loans <= $20,000
Non-Major Bank, Non-Auto Non-Major Bank, Non-Auto

3.7% CAGR 3.5% CAGR $5.1B

$4.6B

2.0% share of non-prime 6.2% share of non-prime

consumer credit market installment loan market
Source: TransUnion, data as at August 2016

9
Overview of easyhome
Description Financial Snapshot

Oldest segment of goeasys business 12 Month Trailing

C$143M
Allows consumers to lease merchandise, such as Revenue
household furnishings, appliances, and electronic
products, for weekly or monthly rental payments 12 Month Trailing
C$22M
Option to purchase without an initial down payment Operating Income
or credit check, can cancel lease at any time without
penalty Lease Assets C$55M
Consumers are required to sign lease agreements for
a pre-determined term
Annual interest rate of 29.9% is fixed
Key Vendor Relationships

Lease Revenues by Product Category

Appliances
12%

Computers
13% Furniture
42% Average Lease Details

Average Lease Term at

30 Months
Origination

Average Time on Lease

9 Months
Before Termination
Electronics
33%
10
Overview of easyfinancial
Description Financial Snapshot

goeasys financial services arm that provides unsecured personal 12 Month Trailing
C$204M
loans between $500 and $15,000 for terms between 9 and 60 Revenue
months
Business model utilizes multiple channels (200+ retail branch 12 Month Trailing
C$75M
network, online and merchant partners) for maximum loan Operating Income
originations
Loan decisions made centrally using credit risk models developed by Consumer Loans
C$371M
analyzing over $1.4 billion of originations data Receivable

12 Month Trailing
C$399M
Originations

Size of Loans at Origination (by number of loans) Duration of Loans at Origination (by number of loans)

$10,000 + 49 + months
3% 37 - 48 2%
$0 - $2,000 months
26% 16%
$3,100 - 0 - 12 months
$10,000 28%
32%

25 - 36 months
$2,001 - 21%
13 - 24 months
$5,000
33%
39%

11
Average = $3,991 Average = 26 months
easyfinancials Omni-Channel Business Model
Differentiates it from Online Competitors
We compete directly with FinTech

Application
Channel
Retail Branch Online Merchant Partners
43% of Application Vol. 48% of Application Vol. 9% of Application Vol.

Underwriting Centralized Underwriting

Tailored Standards & Processes by Channel

But the Branch is a Differentiator

Loan Closure
& Funding Retail Branch Call Centre Merchant Partners
88% of Funded Loans 9% of Funded Loans 3% of Funded Loans

Loss rates for loans fulfilled in our retail branches are approximately 30% lower
than loans fulfilled online
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 Growing Revenues with Strong Margins

400.0 60.0 Operating Net Annualized

Margin Loss Rate
Introduction of centralized
350.0 52.5 credit decisioning

2011
Q2 25.4% 13.6%
Consumer Loans Receivable ($M)

Q3 24.5% 13.4%
300.0 45.0 Q4 31.8% 14.2%

Revenue by Quarter ($M)

Q1 34.1% 16.6%

2012
Q2 28.4% 14.2%
250.0 37.5 Q3 33.8% 14.1%
Q4 27.3% 14.6%
200.0 30.0 Q1 28.0% 14.2%

2013
Q2 27.9% 13.2%
Q3 32.5% 15.2%
150.0 22.5 Q4 34.1% 13.2%
Q1 35.8% 12.3%

2014
Q2 30.8% 13.7%
100.0 15.0 Q3 29.6% 14.9%
Q4 35.0% 11.3%
Q1 30.2% 13.8%
50.0 7.5

2015
Q2 27.1% 14.3%
Q3 32.4% 15.2%
Q4 32.9% 15.5%
- -
Q1 34.9% 15.2%

2016
Q2 36.7% 15.2%
Q3 39.9% 15.4%
Q4 34.9% 15.8%
Gross Loan B ook Revenue

13
 easyfinancial Financial Performance A Strong Track
Record of Profitable Growth

$60,000 45.0%

$50,000 40.0%

35.0%
$40,000
30.0%
$(000's)

Target range for charge-offs

$30,000
25.0%
$20,000
20.0%

$10,000 15.0%

$0 10.0%
Q1 2014 Q2 2014 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016
Revenue Operating Margin Annualized Charge-Off Rate

In the face of economic uncertainty, easyfinancial has consistently demonstrated an ability to grow
revenue, maintain charge-offs within the target range of 14% to 16%, and deliver strong margins

14
 easyfinancial Revenue Yield is Driven Primarily by
Interest Income
75.0% Revenue Yield 1. ~70% of Revenue Yield comes from Core Interest

2. Reduced Reliance Upon Ancillary Revenue

50.0% Driven primarily by underwriting changes in
late 2014 whereby lending limits were
reduced in higher risk segments (higher fees)
and increased in lower risk segments (lower
25.0% fees); net fee impact due to mix shift

3. Interest Yield Proves Resilient vs. Competition

Interest yield down just <2% over past nine
0.0%
quarters, despite increasing FinTech
Q2/14 Q4/14 Q2/15 Q4/15 Q2/16 Q4/16
competition
Interest Yield Ancillary Revenue Yield

Ancillary revenue includes commissions

and fees from:
Credit insurance
Credit monitoring
Home & auto protection
Prepaid card fees
NSF fees 15
 Loan Originations Majority of Net Principal Written
is to New Customers
90,000
80,000
Existing Customer
70,000
Underwriting Standards
60,000 Full credit underwriting performed to ensure
($000's)

50,000 that the borrower has the ability to re-pay the

40,000 entire principal advanced
30,000
No delinquent loans are advanced any
additional credit
20,000
No restructured loans are included in loan
10,000 1
originations to existing customers
- In 2015, the net charge-off rate for loans given
Q2/14 Q4/14 Q2/15 Q4/15 Q2/16 Q4/16 to existing customers was 11.5%, below the
overall average net charge-off rate of 14.8%
Net Advances to Existing Customers
Loans to New Customers

Advances to new customers represent approximately 60% of net

principal written

16
Summary Financial Results
Annual Revenue ($ millions) Financial Highlights
400
easyhome easyfinancial
2016
348
350
Record net income of $31.0 million and diluted
304 earnings per share of $2.23 in 2016
300 259 Fifteenth consecutive year of growing revenues and
250 219 delivering profits
188
200 Revenue growth of 14.2% in 2016
200 168 174
140
158 Adjusted operating income to a record $65.9 million,
150 116 up 37.1% from 2015
100
70 76 86 Gross consumer loans receivable portfolio
100 66
experienced continued strong growth in 2016
50 $81.7 million increase, to close at $370.5 million
-
Increase in annual dividend of 44% reflects improved
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
earnings in 2016 and confidence in continued
growth and access to capital going forward
Note: All revenue restated to IFRS.

Normalized Annual Net Income ($ millions)

35 33.2
30
23.7
25
18.6
20
14.2
15
9.0 10.4 9.0 8.8 9.6 10.5
10 7.7 6.8
6.5
4.0
5 2.6
0.7
0
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Note: 2001 to 2009 amounts reported on a Canadian GAAP basis. 2010 to 2015 amounts reported under IFRS.
2016 Financial Performance Income Statement
in $000s except per share amounts
2016 2016
2015 Variance % Change
and percentages (as reported) (adjusted)

Revenue 347,505 347,505 304,273 43,232 14.2%

Other Income 3,000 - - - 100.0%
Expenses before depreciation
and amortization & transaction
227,270 227,270 200,125 27,145 13.6%
advisory costs
Transaction advisory costs 1 6,382 - - - 0.0%
Depreciation and amortization 54,337 54,337 56,096 (1,759) (3.1%)

Operating Income 62,516 65,898 48,052 17,846 37.1%

Finance costs 21,048 21,048 15,334 5,714 37.3%

Income taxes 10,419 11,695 8,990 2,705 30.1%

Net Income 31,049 33,155 23,728 9,427 39.7%

Diluted earnings per share $2.23 $2.38 $1.69 $0.69 41.1%

2016 was the fifteenth consecutive year of growing revenues and delivering profits
Same store sales growth of 12.1%
Opened 17 new easyfinancial locations
Expansion of operating margin to 19.0%

18
2016 Balance Sheet Highlights
Dec. 31 Dec. 31
in $000s except ratios 2016 2015 2016 ACHIEVEMENTS
ASSETS
Consumer Loans Receivable (net) 354,499 274,481 easyfinancial loan book
Lease Assets 55,288 60,753 grew to $371 million

Cash 24,928 11,389

Cash provided by
Property and Equipment 16,103 18,689 operating activities
Intangible Assets 14,312 14,041 before issuance of
consumer loans of $153
Amounts receivable 7,857 13,000
million
Other Assets 30,075 26,149
TOTAL ASSETS 503,062 418,502 Return on equity
improved to 18%
LIABILITIES
External debt (includes term loan) 263,294 211,720
Funding Composition
Other Liabilities 43,737 30,723
TOTAL LIABILITIES 307,031 242,443
Equity
SHAREHOLDERS' EQUITY 195,031 176,059 42%
Term
Leverage Ratio 57.4% 54.6% Loan
58%
Debt to Total Capitalization .57x .55x
Adjusted Return on Equity 17.9% 14.4%

19
 Proven Ability to Secure Capital
- $300.0 M debt
500,000 facilty

450,000 - $200.0 M debt

facilty 196,031
- Increase efs
400,000 facility to $50 M
- Syndication of
176,059
banking facility - $20.0 M Common
350,000 Share issue
- Equity
adjustment due to
$ 000s

300,000 IFRS conversion

- $20.0 M efs
- $10.9 M facilty
Common Share
250,000 - Share
153,968
- Redemption of issue 263,294
Pref Shares - Initiation of repurchase
dividends program
200,000 - Repayment of - $13.0 M - Acquisition of 211,720
subordinated debt Common Share Insta-Rent 135,633
issue
150,000 - $2.5 M Pref
Share issue 105,013
86,775 97,542
100,000 85,707 100,248 121,597
79,947
50,000 69,191
54,984 61,101 61,374
27,287 32,421 46,790
2,237 1,115 6,275 35,889 29,884 33,123 39,611
21,197 16,893 13,770
- 18,251
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
External Debt Equity Gross Loans Receivable

Cash generated from customer payments was $488.9 million in 2016 ($345.5 million from easyfinancial and
$143.4 million from easyhome)
Cash generated from operation activities, before issuance of consumers loans was $153.3million in 2016

20
Financial Covenants Adjust Dynamically Providing
Room to Grow
$350,000

$300,000

$250,000

$200,000

$150,000

$100,000

$50,000

$0
Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q4 2015 Q4 2015 Q1 2016 Q1 2016
Total Drawn Maximum Available Under Debt/EBITDA Maximum Available Under Debt/Net Worth
* Maximum available includes additional debt allowed under covenant plus cash on hand

The Companys credit agreement with its lenders include various financial covenants. These covenants are
adjusted dynamically each quarter based upon goeasys forecast financial performance.
Since establishing the debt facility in 2012, the Company has never breached any of its financial covenants.
The excess borrowing capacity available under the covenants, along with the cash on hand, provides
sufficient capital to fund growth and engage in capital transactions (dividends, share buy-backs, etc.)
21
Total Return Index 2012 to 2016
Adjusted for reinvested dividends

22

Source: BMO, FactSet

* As at close 16/03/2017
 Positioned for Growth

Revenue by Business Unit 2001 to 2016

Displayed in $Millions

Migration to Next S Curve

Revenue CAGR of 52.8% vs. ~3.7% for sector**
EFS only for period 12 through 16 Accelerated growth both
organic and inorganic
Dec. 2011
New products
Compete
Board
Changeover
New partners
Scale
EFS Opportunistic
acquisitions
Transition
May 2003 Short-term impacts to create
Establish
EH Brand Compete greater long-term value
Scale EH
Revenue CAGR of 12.9% vs. ~4.5% for sector*
EH only for period 03 through 09

* Estimate based on Statistics Canada data; retail sales for home furnishings, appliances and electronics
** Estimate based on TransUnion industry data; non-prime consumer credit <= $20K, non-major bank, non-auto

23
 Strategic Plan

Strategic Goal
Broad Spectrum Non-Prime Lending National Presence
Provide access to credit across the non-prime Across Canada and around the corner, helping
credit spectrum customers through their channel of choice

Comprehensive Suite of Borrowing Products Meaningful Scale

Offer the suite of credit products everyday Larger book to sweat the assets and
Canadians need to improve their financial future infrastructure; improved efficiency ratio

Imperatives
Evolve the Delivery Channel Expand the easyfinancial Footprint
Enhance the Product Offering Execute with Efficiency & Effectiveness

Key Initiatives for 2017

Launch of Lending into Quebec Launch of Secured Loan Product
Offer Loans within easyhome Expansion of Risk Adjusted Pricing
24
 Key Results and Targets

Actual Results for

Targets for 2017 Targets for 2019
2016

New easyfinancial locations to be 260 total locations

17 20 to 30
opened in year by year end

Gross consumer loans receivable $475 to $500 $775 to $800

$370.5 million
portfolio at year end million million

Easyfinancial total revenue yield 62.4% 60% to 62% 49% to 51%

Total revenue growth 14.2% 10% to 12% n/a

easyfinancial operating margin 36.6% 35% to 37% 40%+

Return on equity 17.9% 18% to 19% 21%+

25
Investment Highlights Why goeasy?
Prominent Player in an
Underserved Niche Market
Diversified Sources of
Revenue and Funding
Strong Culture of Risk
Management
Experienced and Committed
Leadership
History of Strong Financial
Performance
Canadas largest merchandise leasing company with over 175 locations and +70% market share
Entry into consumer lending has positioned easyfinancial as a prominent player in the underserved
segment of the market between large financial institutions and payday lenders
Well-positioned to capitalize on attractive industry fundamentals
Ability to achieve efficiencies in both segments by leveraging core competencies in customer
relationship management, risk management and collections
Well-balanced approach to growing lending operations, which target a high yield and underserved
position in the market, while maintaining focus on the stable leasing operations
Revenue is well-diversified between leasing and lending
Strong growth in same store sales and operating margins generates earnings that support a strong
equity base
Originations are funded through diverse financing sources
Robust risk management framework and centralization of all lending decisions
Rigorous underwriting standards have resulted in stable charge offs of approximately 14-16% of
average receivable balance outstanding
Strong focus on monitoring delinquencies and on collections processes
Highly experienced senior management team has an average of 25 years of experience
Supported by a Board of Directors with extensive capital markets and industry experience
12 consecutive years of dividends, recently increased by 44%
15 consecutive years of revenue growth, 6 consecutive years of net income growth
15 consecutive years of positive net income
26