Click to edit Master title style September Title Slide Annual Meeting of Shareholders RIFCO Inc.

2 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

3 RIFCO’s Businesses RIFCO lends money through over 670 active points of sale for: Repair of Automobiles (passenger vehicles) Repair of Big Trucks (highway tractors) Purchase of Automobiles

4 Size of Market Near-Prime Sub-Prime

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6 This Year’s Accomplishments A Stronger Management Team Product Rebranding Industry Partnerships Refined Auto Purchase Program Balance Sheet Initiatives Credit Quality Redoubling Loan Origination Software Board of Director Addition

7 Senior Management Additions April 2005 Doug Decksheimer Vice President Marketing Previously Head of International Sales for Services Company Authored Successful Channel Reseller Programs (CRP) May 2005 Monte Coates Vice President Operations Previous Vice President Wells Fargo Authored Canadian Non-Prime Auto Finance Program

8 Rebranding of RIFCO

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10 Commercial Repair Loan Program

11 Nation’s largest collision repair franchise. $1MM+ of new business Announced February 2, 2006 Nation’s largest collision repair franchise. $1MM+ of new business Announced February 2, 2006 Industry Partnerships $3-6MM of new business Announced January 23, 2006 $3-6MM of new business Announced January 23, 2006 Canada’s largest chain of franchise transmission repair centers Announced March 27, 2006 Canada’s largest chain of franchise transmission repair centers Announced March 27, 2006

12 19 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 Industry Partnerships

13 Industry Partnerships 5 th Industry Partnership in 2006! Announced September 6 th Roll out just in time for fall tire sales. Up to 180 stores Both passenger & commercial (big truck) installations & repairs

14 Revised – Auto Purchase Program

15 Auto Purchase Loan Program “Strong” Dealer Agreement Detailed Credit Plan Strong Dealer Commission Plan Quality Vehicle Assets Better than Average Yields Excellence in Collection Department Disciplined write off policy

16 Balance Sheet Initiatives $1M non-brokered private placement Negotiated a larger senior debt line of $4.5M Repaid a $1M convertible debenture (12% interest rate) Replenished $20M Securitization Facility

17 Credit Quality - Redoubling of Efforts March Over 97.5% of RIFCO’s loans are current within 30 days.

18 Loan Origination Software System

19 Addition – Board of Directors David Mears CEO & President of BrazAlta Resources Corp. (TSX.V) Chairman & Director of Sierra Vista Energy (TSX.V) Director of Radar Acquisitions Corp. (TSX.V) Previously a member of the Investment Banking group of Wolverton Securities Ltd.

Performance Objectives From RIFCO’s Value Statement: Accountability – We are results driven. We set goals, develop a plan, execute, evaluate.

Performance Objectives Increase the ‘Active’ Origination Network To 1,100

22 Increase Loan Originations To Over $15M 2006 Performance Objectives

23 Increase Finance Receivables Under Management To Over $16M 2006 Performance Objectives

24 Increase Revenue To Over $5M 2006 Performance Objectives

25 Decrease The Average Cost Of Borrowing 2006 Performance Objectives

26 Maintain Annualized Write Offs Under 5.0% 2006 Performance Objectives

27 Increase Net Income To Over $0.5m 2006 Performance Objectives

28 Attain Meaningful Growth In Company’s Stock Price 2006 Performance Objectives

29 Regained Momentum

30 Regained Momentum New Loan Originations up 120%

31 Regained Momentum Managed Finance Receivables up 68%

32 Regained Momentum Revenue up 99%

33 Regained Momentum Delinquency Levels down to Record Lows

34 Regained Momentum Loan Losses Back on Track

35 Regained Momentum Two Consecutive Quarters of Profitability

36 The Road Ahead  Double Loan Originations to over $25M  Double loan receivables under management to over $26M  Increase Revenue to $7M  Achieve write off rate of 5.0%  Achieve $0.7 Net Income.

37 The Road Ahead Thank You! Thank You. Thank You!