Click to edit Master title style September 2006 Title Slide 2007 Annual Meeting of Shareholders

Updated August This presentation may contain certain forward-looking statements. These statements may relate to future events or future performance and reflect management’s expectations regarding the Company’s growth, results of operations, performance and business prospects and opportunities. Such forward-looking statements reflect management’s current beliefs and are based on information currently available to management. Although the forward-looking statements are based upon what management believes to be reasonable assumptions, the Company cannot assure readers that actual results will be consistent with these forward-looking statements. These forward-looking statements are made as of the date of this report, and the Company assumes no obligation to update or revise them to reflect new events or circumstances. Actual results may differ materially from any forward-looking statement. Historical results and trends should not taken as indicative of future operations. Certain totals, subtotals and percentages be may not reconcile due to rounding. Disclaimer

Updated August Independent Directors Johannes (Jim) Nieuwenburg Formerly President & CEO of Petromet Resources Limited Professional engineer by training Director on the Boards of Sound Energy Trust (TSX), Verenex Energy Inc (TSX), Fairborne Energy Trust (TSX) David Mears CEO & President of BrazAlta Resources Corp. (TSXV) Chairman & Director of Sierra Vista Energy (TSXV) Acted in a number of stock brokerage and investment banking roles from 1994 to 2002 Stuart Hensman Member of the Board of Governors of CI Funds Member of the Board of Directors of Creststreet Power & Income Funds and Creststreet Mutual Funds Former Chairman and CEO of Scotia Capital (USA) Inc. Chairman RIFCO Audit Committee

Updated August Senior Management Doug Decksheimer Vice President Marketing Monte Coates Vice President Operations Bill Graham President & CEO Lance Kadatz Vice President/CFO

Click to edit Master title style September 2006 Title Slide Shareholder Presentation

Updated August RIFCO’s Business RIFCO lends money in 8 provinces: Purchase of Automobiles Repair of Automobiles (passenger vehicles) Repair of Big Trucks (highway tractors)

Updated August Automotive Repair Loan Program 20,000 Repairers in Canada Over $11B in Sales Typical Loan $1, % APR $140 credit insurance policy 24 month loan term 2% commission paid to repairer

Updated August Commercial Repair Loan Program 42K+ Independent & Small Motor Carriers $600M+ in Heavy Duty Repairs Typical Loan $15, % to 21.8% APR $1,200 credit insurance policy 24 month loan term

Updated August Auto Purchase Loan Program 2.2M+ annual used vehicles sales $4B+ non-prime auto loan market Typical Loans $10,000 to $25,000 18% to 25% APR 48 to 60 month loan term

Updated August Fiscal Year 2007 In Review

Updated August in Review Governance Strengthened Board of Directors with addition of Mr. Stuart Hensman

Updated August in Review Infrastructure White Clarke North America, a leading loan origination solutions company commenced work on RIFCO’s future on-line loan origination platform

Updated August in Review Balance Sheet Completed a non-brokered private placement of $1.5M in equity Completed renewal and increase ($10M) of securitization facility to $30M with Securcor Trust Received a second securitization facility for $30M with Community Credit Union

Updated August in Review Balance Sheet Completed a repayment and re-issue of all subordinated debt with reduced interest rates and locked in non-redeemable terms Received $3.0M increase in senior debt credit line to $7.5M from BMO Bank of Montreal

Updated August in Review Growth Commenced expansion of lending operations into Atlantic Canada In March 2007, reached the $50 Million milestone in loans granted Processed 8,745 loan applications an increase of 58% up from 5,524

Updated August in Review Growth Profit Magazine ranked RIFCO as the 40th fastest growing young company in Canada, second consecutive year on the list

Updated August Growth - Annual Originations

Updated August Growth - Finance Receivables

Updated August Growth - Annual Revenue

Updated August in Review Operational Improvements Average managed cost of borrowing decreased to 8.03% from 9.11% Operating expense ratio improved to 12.12% from 18.13%

Updated August Operations - Expense Ratio

Updated August Operations - Delinquency

Updated August Operations - Annual Loan Losses

Updated August in Review Financial Results Reported 5th consecutive profitable quarter Reported net income before tax of $1,150,000 compared to a prior year loss of $251,000

Updated August Financial Results - Net Income

Updated August in Review Financial Results Return on average shareholders equity reached 14.75% from -8.34% EPS of $0.04 up from -$0.02

Updated August ROADSIDE ASSISTANCE Creating More Value

Updated August

Updated August Multiple Sales Channels

Updated August Objectives Grow Loan Originations to between $28 & $35 Million Grow Managed Assets to between $30 and $35 Million Increase Revenue to between $7M and $9M Achieve write off rate between 5% and 6% Achieve continued growth in EPS, ROE and book value per share

Updated August Attractive financial services sector! Fast-Growing Revenue! Fast-Growing Profits! Growing Intrinsic Value! Undiscovered - Undervalued Why RIFCO? Why Now?

Updated August Increasing Intrinsic Value

Updated August Share Value

Updated August

Updated August Thank You