1. Investor
Presentation
CARFINCO FINANCIAL GROUP INC.
Toronto Stock Exchange: CFN
Assured Automotive Financing
May 2012

2. Forward Looking Statements
2
This presentation contains certain statements that may be deemed "forward-looking
statements". All statements in this document, other than statements of historical fact, that
address events or developments that the Company expects to occur, are forward looking
statements. Forward looking statements are statements that are not historical facts and are
generally, but not always, identified by the words "expects", "plans", "anticipates",
"believes", "intends", "estimates", "projects", "potential" and similar expressions, or that
events or conditions "will", "would", "may", "could" or "should" occur.
Although the Company believes the expectations expressed in such forward-looking
statements are based on reasonable assumptions, such statements are not guarantees of
future performance and actual results may differ materially from those in the forward-
looking statements. Factors that could cause the actual results to differ materially from
those in forward looking statements include, failure to successfully negotiate or
subsequently close such transactions, inability to obtain required shareholder or regulatory
approvals, uncertainty with respect to findings under exploration programs and general
economic, market or business conditions. Investors are cautioned that any such statements
are not guarantees of future performance and actual results or developments may differ
materially from those projected in the forward-looking statements. Forward looking
statements are based on the beliefs, estimates and opinions of the Company's management
on the date the statements are made. The Company undertakes no obligation to update
these forward-looking statements in the event that management's beliefs, estimates or
opinions, or other factors, should change.

3. 3
Share Price Chart

4. What the Analysts are Saying
4
Target Price $12.00 $10.00 $11.00 $12.00
Forecast Revenue – $70.8 million $72.3 million $65.3 million $71.5 million
2012 (interest revenue only)
Forecast Net $0.85 $0.87 $0.87 $0.83
Earnings/Share –
2012
Top pick on Market Call
Jamie Horvat @ Sprott
Jason Donville @
Donville Kent

5. A Harbour Amidst the Storm
5
 Management sees no storm clouds as identified in late 2007 prior to
economic melt-down
 Credit controls remain as stringent as those introduced in 2008
 Reserve allowance for future credit losses far exceed bank
covenants
 Quality loan originations remain at record levels
 Delinquencies remain at record low levels

6. Key Investment Highlights
6
 A uniquely positioned, highly profitable auto finance company
 Has delivered consistent 20% + annual growth in its business providing car loans
to “non-prime” credit applicants
 Principal balance of finance receivables at end of March 2012: $172.5 million,
17,900 customers
 Provides a unique program structure which aligns customer, dealer and Carfinco
interests
 Refined system of credit control checks and balances
 Combining technology & an experienced human touch
 Strong management
 Expertise
 Ownership
 Barrier’s to entry
 Experienced call center, customized software systems & detailed monitoring of
customer base
 Vertically integrated
 All key functions are internal: underwriting, account management, inventory
tracking, legal, collections, skip tracing, repossession & re-sales

7. Funding
7
 Credit Facility Summary
• Bank of America, N.A.
Banking Syndicate • Wells Fargo Financial Corporation Canada
• Bank of Montreal
Facility Size • $130 million
• Feb. 2008: Increased facility from $65mm to $85mm and added Bank of
Montreal to syndicate
Increase in Facility Size • Dec. 2008: Wells Fargo Financial Corporation Canada added to syndicate
• June 2010: Increased facility from $85mm to $105mm
• April 2011: Increased facility from $105mm to $130mm
Maturity • June 30, 2013
Rate • Bankers’ Acceptance Rate plus 3.25%
Leverage Ratio • 3.50:1

8. Carfinco is…
8 GEOGRAPHICALLY DIVERSE
 1997 founded in Alberta. Over 1,500 dealers in 10 provinces
 45% franchised dealers & 55% independent used car dealerships
 Geographically diverse portfolio - 60% West & 40% East
West – 60% East – 40%

9. Canadian Vehicle Market
9 NEW AND USED VEHICLE SALES (000s OF UNITS)
Source: DesRosiers
2,890
2,790
2,637 2,634
2,356
1,653 1,636
1,615
1,557
1,461
New
Used
2006 2007 2008 2009 2010
 In 2010, there were 22.0 million cars and light trucks on Canadian roads.
81.4% were 4 years old or older.

10. 10
Carfinco’s Competitive Position

11. Canadian Non-prime Market
11 BEACON SCORE AS A % OF THE CANADIAN CREDIT MARKET
70%
58%
60%
55%
50%
40%
36%
30%
20%
14%
10% 10%
10%
5% 4% 6%
2%
0%
No Score 000 - 619 620 - 649 650 - 679 680 - 719 720 - 999
[D] [C] [B] [A] [A+]
Canadian Market Carfinco Portfolio

12. Our Customers
12
 Average age: 37.8 years
 Average residency: 4.7 years
 Average job length: 4.0 years
 Average income: $3,200/month

13. Carfinco’s Typical Car Loan
13
 Loan size: $12,000
 Average term: 51.9 months
 Average payment: $406
 Vehicle age: 4.6 years
 Interest rate: 29.5%
 Effective rate: 32.9%
 Administration fee: $499

14. Growing Loan Portfolio
14 PRINCIPAL OF FINANCE RECEIVABLES
172.5
167.6
($ MILLIONS)
141.1
113.8
109.3
96.5
74.8
2006 2007 2008 2009 2010 2011 2012 - Q1

15. Leads to… Growing Revenues
15
($ MILLIONS)
67.1
59.6
48.3
31.6 32.6
26.0
21.9
2006 2007 2008 2009 2010 2011 2012 - Q1
Annualized
Note: Prepared using IFRS ( Previous GAAP Revenues for 2010 were 37.9)

16. Leads to… Earnings Per Share
16
QUARTERLY EARNINGS PER SHARE (dollars)
0.25
0.20
0.19 0.19
0.18 0.18
0.17 0.17
0.14
0.11
Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12
Note: 2011 numbers after tax and 2010 forward prepared under IFRS

17. Impressive ROE
17 RETURN ON EQUITY (%)
79.4
55.5
51.2
44.6
33.6
18.9
-9.0
2006 2007 2008 2009 2010 2011 2012 - Q1
Annualized
Note: 2006 through 2010 are percentages before tax

18. Financial Summary
18
Origination & Portfolio Growth Quarterly Normalized Earnings before Tax & ROE
Millions $167.6
$160.0 Originations Portfolio Millions
Quarterly Normalized Earnings before Tax
$141.1 $10.0 Annualized ROE on Normalized Earnings before Tax
$140.0
$9.0 91%
$116.3 81%
$113.8 77% 76%
$120.0 $8.0 73% 73% 81%
$109.3 72%
$96.5 $97.0 $7.0 71%
$100.0
$6.0 61%
$74.8 $74.3
$80.0 $72.1
$67.8 $5.0 51%
$60.0 $53.7 $4.0 41%
$6.3 $6.6 31%
$3.0 $5.7 $5.9
$40.0 $5.2 $5.4
$2.0 21%
$20.0
$1.0 11%
$- $- 1%
Dec 2006 Dec 2007 Dec 2008 Dec 2009 Dec 2010 Dec 2011 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12
Seven straight years of revenue and portfolio growth as well as eleven straight
quarters of record Normalized Earnings before Tax

19. Capital Structure
19 SHARES
 Issued:
 Insiders: free-trading 6,516,705
 Public: free-trading 18,128,525
 Total issued: 24,645,230
 Fully diluted: 24,645,230
 No option plan
 No warrants

20. Leadership Team
20
 Management
 Tracy Graf – President & CEO
 Troy Graf – COO
 Stephen Dykau – CFO
 Board of Directors
 Tracy Graf – President & CEO
 David Prussky – Director, Patica Securities Ltd.
 David Rosenkrantz – Director, Patica Securities Ltd.
 J. Daryl MacLellan – President, Desante Financial Services Inc.
 Brent Channell – Managing Director, Spartan Fund Management Inc.
 Maurice Kagan – CEO, Sparkle Solutions LP
 Simon Serruya – Chief Operating Officer, Yogen Frϋz International Inc.

21. Why Carfinco?
21
1. Consistent positive growth amidst economic volatility
2. Target a 20% annual increase in the finance receivable
portfolio
3. Board of Directors intends to maintain a minimum 3.5 cent
per month cash dividend through 2012 and beyond
4. Eleven consecutive quarters of record normalized earnings
before tax
5. Large management and board ownership aligns the interest
with shareholders

22. Investor
Presentation
CARFINCO FINANCIAL GROUP INC.
Toronto Stock Exchange: CFN
May 2012
For further information, please contact:
Mr. Tracy A. Graf
President and CEO
Telephone: 1-888-486-4356
Facsimile: 1-888-486-7456
Email: tracy.graf@carfinco.com