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

2. Updated February 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 February 2007 3 Attractive financial services sector! Fast-Growing Revenue! Fast-Growing Profits! Undiscovered - Undervalued Why RIFCO?

4. Updated February 2007 4 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

5. Updated February 2007 5 Size of Market Near-Prime Sub-Prime

6. Updated February 2007 6 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!

7. Updated February 2007 7 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

8. Updated February 2007 8 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.

9. Updated February 2007 9 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

10. Updated February 2007 10 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

11. Updated February 2007 11 Commercial Repair Loan Program 42K+ Independent & Small Motor Carriers $600M+ in Heavy Duty Repairs Typical Loan $15,000 21.8% APR $1,200 credit insurance policy 24 month loan term

12. Updated February 2007 12 19 Heavy Duty Repair Facilities. Toromont Cat is part of $1.6B enterprise. Announced July 5th, 2006 19 Heavy Duty Repair Facilities. Toromont Cat is part of $1.6B enterprise. Announced July 5th, 2006 Heavy Duty Industry Partnerships

13. Updated February 2007 13 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

14. Updated February 2007 14 Credit Quality - Delinquency Improving

15. Updated February 2007 15 Momentum YOY (first 3 quarters) Originations up 86%

16. Updated February 2007 16 Momentum Managed Finance Receivables up 76% Q3 to Q3

17. Updated February 2007 17 Momentum Revenue up 82% Q3 over Q3

18. Updated February 2007 18 Momentum Delinquency Levels down to fantastic levels

19. Updated February 2007 19 Momentum Rolling 12 month Loan Loss Rate Improving

20. Updated February 2007 20 Momentum Four Consecutive Quarters of Profitability

21. Updated February 2007 21 2007 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)

22. Updated February 2007 22 Share Value

23. Updated February 2007 23 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

24. Updated February 2007 24 Share Information** Symbol: ‘RFC’ on TSX Venture Trading: $0.40 - $0.55 Range 52 Week Range: $0.355 - $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

25. Updated February 2007 25 The Road Ahead Thank You! Thank You. Thank You!