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

2. Updated August 2007 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. Updated August 2007 3 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

4. Updated August 2007 4 Senior Management Doug Decksheimer Vice President Marketing Monte Coates Vice President Operations Bill Graham President & CEO Lance Kadatz Vice President/CFO

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

6. Updated August 2007 6 RIFCO’s Business RIFCO lends money in 8 provinces: Purchase of Automobiles Repair of Automobiles (passenger vehicles) Repair of Big Trucks (highway tractors)

7. Updated August 2007 7 Automotive Repair Loan Program 20,000 Repairers in Canada Over $11B in Sales Typical Loan $1,500 27.8% APR $140 credit insurance policy 24 month loan term 2% commission paid to repairer

8. Updated August 2007 8 Commercial Repair Loan Program 42K+ Independent & Small Motor Carriers $600M+ in Heavy Duty Repairs Typical Loan $15,000 16.8% to 21.8% APR $1,200 credit insurance policy 24 month loan term

9. Updated August 2007 9 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

10. Updated August 2007 10 Fiscal Year 2007 In Review

11. Updated August 2007 11 2007 in Review Governance Strengthened Board of Directors with addition of Mr. Stuart Hensman

12. Updated August 2007 12 2007 in Review Infrastructure White Clarke North America, a leading loan origination solutions company commenced work on RIFCO’s future on-line loan origination platform

13. Updated August 2007 13 2007 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

14. Updated August 2007 14 2007 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

15. Updated August 2007 15 2007 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

16. Updated August 2007 16 2007 in Review Growth Profit Magazine ranked RIFCO as the 40th fastest growing young company in Canada, second consecutive year on the list

17. Updated August 2007 17 Growth - Annual Originations

18. Updated August 2007 18 Growth - Finance Receivables

19. Updated August 2007 19 Growth - Annual Revenue

20. Updated August 2007 20 2007 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%

21. Updated August 2007 21 Operations - Expense Ratio

22. Updated August 2007 22 Operations - Delinquency

23. Updated August 2007 23 Operations - Annual Loan Losses

24. Updated August 2007 24 2007 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

25. Updated August 2007 25 Financial Results - Net Income

26. Updated August 2007 26 2007 in Review Financial Results Return on average shareholders equity reached 14.75% from -8.34% EPS of $0.04 up from -$0.02

27. Updated August 2007 27 ROADSIDE ASSISTANCE Creating More Value

28. Updated August 2007 28

29. Updated August 2007 29 Multiple Sales Channels

30. Updated August 2007 30 2008 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

31. Updated August 2007 31 Attractive financial services sector! Fast-Growing Revenue! Fast-Growing Profits! Growing Intrinsic Value! Undiscovered - Undervalued Why RIFCO? Why Now?

32. Updated August 2007 32 Increasing Intrinsic Value

33. Updated August 2007 33 Share Value

34. Updated August 2007 34

35. Updated August 2007 35 Thank You