Click to edit Master title style September 2006 Title Slide RIFCO Inc. (RFC:TSX.V)

Updated February 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 February Attractive financial services sector! Fast-Growing Revenue! Fast-Growing Profits! Undiscovered - Undervalued Why RIFCO?

Updated February RIFCO’s Businesses RIFCO lends money through over 870 points of sale for: Repair of Automobiles (passenger vehicles) Repair of Big Trucks (highway tractors) Purchase of Automobiles

Updated February Size of Market Near-Prime Sub-Prime

Updated February Ranked 9th Fastest Growing Emerging Company in Alberta by Alberta Venture (Revenues Under $20MM) In the News Ranked on the list of Fastest Growing Emerging Young Companies in Canada by Profit Magazine – Twice!

Updated February Senior Management Doug Decksheimer Vice President Marketing Previously Head of International Sales for Services Company Authored Successful Channel Reseller Programs (CRP) Monte Coates Vice President Operations Previous Vice President Wells Fargo Authored Canadian Non- Prime Auto Finance Program Bill Graham President & CEO Previously Vice President Operations, RIFCO Former Owner of Proven Leasing Corporation Former Business Consultant Lance Kadatz VP Finance/CFO Former President of Trimax Financial Services Former Financial Consultant with Meyers Norris Penny Former Senior Commercial Loans Manager with Royal Bank of Canada

Updated February Independent Directors Johannes (Jim) Nieuwenburg Formerly President & CEO of Petromet Resources Limited Professional engineer by training Chairman of C1 Energy Ltd (TSX) Director on the Boards of Capitol Energy Resources Ltd (TSX), 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 Crestreet Power & Income Funds and Crestreet Mutual Funds Ltd. Former Director of Imaging Dynamics Corporation (TSX) Former Chairman and CEO of Scotia Capital (USA) Inc.

Updated February 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 February Automotive Industry Partnerships Over 190 outlets across Canada Announced January 23, 2006 Over 100 outlets across Canada Announced February 2, 2006 Over 85 outlets across Canada Announced March 27, 2006 Over 270 outlets across Canada Announced September 6, 2006

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

Updated February Heavy Duty Repair Facilities. Toromont Cat is part of $1.6B enterprise. Announced July 5th, Heavy Duty Repair Facilities. Toromont Cat is part of $1.6B enterprise. Announced July 5th, 2006 Heavy Duty Industry Partnerships

Updated February Auto Purchase Loan Program 2.2M+ annual used vehicles sales $4B+ non-prime auto loan market Typical Loans $10,000 to $25,000 19% to 25% APR 48 to 60 month loan term

Updated February Credit Quality - Delinquency Improving

Updated February Momentum YOY (first 3 quarters) Originations up 86%

Updated February Momentum Managed Finance Receivables up 76% Q3 to Q3

Updated February Momentum Revenue up 82% Q3 over Q3

Updated February Momentum Delinquency Levels down to fantastic levels

Updated February Momentum Rolling 12 month Loan Loss Rate Improving

Updated February Momentum Four Consecutive Quarters of Profitability

Updated February Objectives Double Loan Originations to over $25M Double loan receivables under management to over $26M Increase Revenue 80% to $7M Achieve write off rate of 5.0% Achieve $0.7M Net Income (from $0.3M loss)

Updated February Share Value

Updated February Transactions of Note Feb 2006 Maple Financial ($7.5B in loans) purchased by Scotia Bank VFC Inc. ($380M in loans) purchased by TD Bank Nov 2006 Travellers Leasing Corporation ($255M in loans) purchased by Scotia Bank

Updated February Share Information** Symbol: ‘RFC’ on TSX Venture Trading: $ $0.55 Range 52 Week Range: $ $0.68 Total Shares: 19.2 Million Fully Diluted: 25.3 Million Management and Directors: 4.9 Million (26%) Fully Diluted : 6.8 Million (27%) Other Insiders:: 3.2 Million (17%) Fully Diluted : 4.2 Million (17%) **As at Dec 31, 2006

Updated February The Road Ahead Thank You! Thank You. Thank You!