1. KYRIBA WEBINAR:Treasury as a Strategic Partner:Creating New Value in the Organization

2. Agenda1) About DFC Global2) Treasury as a Strategic Partner Value Creation Hierarchy3) Kyriba client DFC Global Treasury as a Strategic Partner4) Questions and Answers 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 2 3. Speaker Panel: Eric Erickson, Senior Vice President andTreasurer, DFC Global Corp (Kyriba Client) Bob Stark, Vice President, Strategy, KyribaCorporation 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 3 4. Introduction - DFC Global Corp International, diversified non-bank financial services companyresponsibly serving unbanked and under-banked consumers and smallbusiness owners. $1B+ in Revenue, $300MM EBITDA, 6,000 employees 1,450 retail outlets in North America and Europe. Services include consumer lending, money transfer, money orders, taxfiling services, check cashing, foreign exchange, and reloadable Visa andMasterCard debit cards. ALICE (Asset Limited, Income Constrained, Employed) ARTI (Asset Rich, Temporarily Illiquid) Locations in the U.S., Canada and Europe (UK, Ireland, Poland, CzechRepublic, Sweden, Finland, Spain) 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL. 4 5. Introduction - DFC Global Corp ALICE and ARTI demographic is large and growing; significant unmet global demand for financial services More Than Half the World is Unbanked ~70% of the workforce in the more developed countries is comprised of lower wage service sector workers(1) More than half the worlds adult population do not use formal financial services to save or borrow(2) Traditional banks cannot efficiently meet the needs of this demographic (fast approval of small loans, expedient check cashing, etc.) Population growth is expected to place continued stress onnatural resources, causing pricing pressure on basic necessities(energy, food, healthcare, etc.) Collectively, resulting in decreased discretionary income,increasing demand for short-term credit1.Figures based on Organization for Economic Cooperation and Development (OECD), 2011,"National Accounts at a Glance.2.Financial Access Initiative study, October 2009, Half the World is Unbanked. 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL.5 6. Introduction - DFC Global Corp Sweden: Canada: - 22 Pawn Lending StoresFinland: - 492 Financial Services Stores - Internet Lending- 13 Pawn Lending Stores - Internet Lending- Internet Lending Poland: - In-Home Lending Business - 20 Multi-Product Stores - Internet Lending Ireland: - 30 Financial Services Stores Czech Republic: - Internet LendingSpain:- 11 Pawn Lending and Gold Buying Stores U.K.:United States: - England 493 Stores- 299 Financial Services Stores - Scotland 47 Stores- Military Lending Services Business - Wales 23 Stores - Internet Lending - Traditional and High-End Pawn Lending - Small Business Advances Note: Store count as of December 31, 2012. 10 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL.6 7. DFC Global Treasury Introduction Metrics # of countries serviced9 # of retail stores1,450 # of armor car deliveries monthly 11,288 # of customers over the course of ~352,000 a year # of banking relationships42 # of bank accounts 464 # of monthly loan payments 236,089 (funding/collections) amount of cash moving through $3.3 billion accounts annually 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL.7 8. DFC Global Treasury IntroductionCorporate Treasury Responsibilities1) Liquidity/Access to the Capital Markets2) Capital Structure Management3) Global Cash Management4) Risk Management5) Banking & Financial Relationships6) Partner with business units to maximize market/business opportunities 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 8 9. Treasury as a Strategic PartnerWhat is Treasury as a Strategic Partner Achieving Strategic Partnership is a hierarchy Requires: a) Operational efficiency b) Credibility c) Insight and abilities d) Leadership e) Technology f) The right company culture 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 9 10. Value Creation Hierarchy Single point of data entry Treasury as a strategic partner Eliminate re-keying errors Improve accuracy and confidence in analysis Effective financial decisions Automate repetitive tasks Shift time from processing to Global visibility analyzing Achieve results more quickly Financial controlsStreamline reporting Automate and schedule preparation and distribution Productivity 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 10 11. Value Creation Hierarchy Improve data integrity Treasury as a strategic partner Eliminate reliance on super spreadsheets Standardize processes and Effective financial decisions procedures Controlled workflow Global visibility Separation of duties Reduce SOX audit costs Financial controlsCentralized audit trails Improve visibility and transparency Productivity Better control of workflow 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 11 12. Value Creation Hierarchy Cash Treasury as a strategic partner Bank reporting Cash positioning Forecasting Effective financial decisions Liquidity Financial positions Investment Global visibility Debt Intercompany Foreign exchange Financial controlsExposures Foreign exchange Interest rate Productivity Counterparty Supply chain 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL.12 13. Value Creation Hierarchy Cash Optimization Treasury as a strategic partner Effective returns on cash Ease of money movements Efficient borrowing Effective financial decisions Treasury Structures Centralized Decentralized Global visibility Hybrid Risk Management Financial controls Financial Liquidity Counterparty Productivity Operational 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 13 14. Value Creation Hierarchy Build value through Treasury as a strategic partner collaborative business partnerships Intelligence Effective financial decisions Insight Analysis Global visibility Examples Shared service model Forecasting economic change Financial controls Sales enablement M&A analysis Market expansion Productivity Business Intelligence 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 14 15. How treasury is becoming a strategic partnerAt DFC Global, Treasury is: Strategic Partner to Senior Capital Allocation, Capital StructureManagement and the Board Activity, M&A Strategic Partner to Critical Service Investment CommunityProviders Rating Agencies Armored Car Carriers Credit Banks Strategic Partner to Broader Finance Centralization & Standardization ofDepartment Company-widecash management and payables processing Strategic Partner to Operations and Web-based and Mobile PaymentsProduct DevelopmentStrategies 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 15 16. How treasury is becoming a strategic partnerAt DFC Global, Treasury is: At the start of a journey Treasury is: Highly fragmented Manually intensive Dependent on spreadsheets, e-mail and multiple bank systems Decentralized treasury structure: Bank relationships, account structures managed at the regional level Limited opportunity to leverage DFC Global network, purchasing powerTechnology seen as an enabler, to help drive towards the solution 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL.16 17. How treasury is becoming a strategic partnerAt DFC Global, Treasury is: Moving towards a Shared Service model Objectives: Improve overall liquidity management Gain operating efficiencies Reduce costs Centralize policy and management expertise Enhance financial controls Result: More effective and efficient treasury environment Significantly enhanced internal controls Reduced processing and accounting errorsIn a better position to be a strategic partner 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 17 18. How treasury is becoming a strategic partnerCurrent State Future State Decentralized Cash managed and Centralized/Regionalized CashLiquidity processed locally:managed out of Regional SSCs.Management Inefficient use of cash More efficient use of cash Intercompany balances with multiple Intercompany balances concentratedcounterparties with corporate entities Unnecessary revolver draws Net interest expense and large cash balances reduced Treasury is manually intensive and Automated and efficiency treasuryOperationalinefficient : Global Cash VisibilityEfficiency Manual login to bank websites Improved accuracy & confidence Manual entry into excel spreadsheets Less time taken to manage cash and Too much time & accuracy risktreasury Increased costs: Implementing SSC model will:Costs/ Each BU performing redundant, Consolidate Treasury managementResourcesmanual treasury activity activity DFC Global not leveraging global Freeing up resources within the BUspurchasing power with vendors/ banks to focus on running their business Overall cost savings Purchasing power will be leveraged. 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL.18 19. How treasury is becoming a strategic partner Current StateFuture State Global treasury management globally run Treasury run on single global SaaS/CloudTechnologyon excel spreadsheets with bank treasury workstationbalances being pulled from 20+ different Eliminating manual effortbanking platforms Reduced time to achieve cash visibility Eliminate dependency on Excel Fragmented CentralizedPolicy & Mgmt Due to local silo management SSCs facilitate standardization ofExpertise Non-standard implementation ofpolicies and proceduresprocesses Best-in-class operation w/tighter Increased riskmanagement Reduced risk Fragmented CentralizedControls & SOx Processes non-standard Staffing of treasury managementCompliance Segregation of duties problematic concentrated at SSCdue to small staff at local operations Adequate staffing -> proper segregation(cited as SOx violation)of duties SOx audit to review multiple BUs Treasury technology helps enforceannually (higher costs) Reduced audit and SOx expenses 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL.19 20. How treasury is becoming a strategic partner Global Cash Structure Current State FUNDINGFUNDING FUNDING Revolver Borrower Danske HOPUSD, CAD, GBP SEK EURExpress Sefina MEM MCES&R TMSPolandSefinaFinance ($17.0 in )($10.0 in ) ($1.1 in ) ($0.3 in )($51.6 in ) ($1.1 in PLN)Sweden Finland($3.4 in SEK) ($1.6 in )DFG DFS NMM RisicumSECzech * Cash balances as 06/30/12 ($35.2 in $)($0.2 in $)($96.3 in C$) ($5.7 in ($0.0 in($0.5 in )and SEK) CZK) Current Structure Other than organic cash flow, funding comes from central/corporate facilities Conversely, cash is not centrally pooled - rather managed/accounted for locally Intercompany balances are not centralizedsub to corporate, sub to sub Opportunity/Necessity Cash needs to be pooled/centrally managed to better service debt facilities The structure and technology to manage cash globally needs to be improved/enhanced Intercompany balances need to be centralizedone counterparty per entity 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL. 20 21. How treasury is becoming a strategic partner Global Cash Structure SSC Future StateFUNDING, Revolver Borrowers, USD, CAD, GBP, EUREuropean PoolUK PoolPMFA PMFA PMFA PMFA DFGPMFA EUR Entity PLN Entity -CZK Entity -NMM -$35.4 inUK Pool Master Funding Account (PMFA) DFUK - $80 in - $6.2$1.1$0.0 $96.3 in C$USD Express EUR PLN CZKNMM USDMEMFinanceMCE S&R TMS($ 0 Subs Subs SubsSubs ( 0) ( 0)( 0) ( 0) ( 0) CAD)($ 0) ( 0) (0 PLN) (0 CZK) AUTOMATIC TRANSFERS FULL ZBA STRUCTUREFUNDING, Danske, SEK FUNDING, HOP, EURSefinaSefina SwedenFinland($3.4 in SEK)($1.6 in ) 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL.21 22. How treasury is becoming a strategic partner Treasury Management Current State Resources, Technology, Controls & Policy Redundant Resources and TechnologyExpress Sefina MEMFinanceMCES&RTMSPolandSefina Finland SwedenBerwynDFG DFSNMMRisicumSE CzechCurrently, while there is Corporate Treasury oversight of cash globally, each business unit manages cash daily develops cash position, performs accounting and reconciliation functions Technology predominantly internet based banking and excel program (ReconNet for NA reconciliations) Resources each BU performs these cash management, accounting and reconciliation functions. Whileeach BU simply absorbs this activity, there is opportunity via a SSC to standardize operations and reducecosts 2013 Kyriba Corporation. All rights reserved.PRIVILEGED & CONFIDENTIAL.22 23. How treasury is becoming a strategic partner Treasury Management SSC Future State Resources, Technology, Controls & Policy A single, global SaaS-based technology for Treasury Management (Cash, Accounting, Reconciliation) will reduce data key and spreadsheet errors, maintain audit logs and ensure segregation of duties.North American SSC - BerwynEuropean SSC Location TBD DFGDFS NMM S&RTMS PolandSefinaSweden SefinaRisicumSECzechFinland Express MEM FinanceMCEResources are shared, controls improved, corporate policies implemented, # of locations and processes to be audited reduced. 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 23 24. Summary Achieving strategic partnership is a journey; cant get there until you have success at prior levels Treasury Structure is important! For DFG Global, implementing a SSC improved control and visibility into cash and treasury Also increased efficiency leading to more opportunities for strategic contribution 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 24 25. White paper Treasury as a Strategic PartnerDownload our white paper and find out how yourtreasury team can deliver significant business valueto the organization, including: Merger and acquisition decision making Forecasting economic impact to the business Market expansion Corporate governance Supply Chain performanceLearn about how to make your treasury a strategicpartner to the organization today!Download the whitepaper >> 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 25 26. White paper Missed our live webinar? No worries - you can always play back the recording from the convenience of your desk! Want to find out how Kyriba can help your treasury become a strategic partner within your organization? Schedule a quick call and well be happy to address your questions.1-855-KYRIBA-0 2013 Kyriba Corporation. All rights reserved. PRIVILEGED & CONFIDENTIAL. 26