1. CONFIDENTIAL A PRIL 17, 2014

2. The Business Opportunity Why let your customers walk away Empty Handed? CONFIDENTIAL 2 They are declined by the Prime Bank They walk out the door You found a customer ready to purchase But no cash and no Credit Card You spent the Marketing Dollars You attracted Customers without Cash Maximize the return on your marketing dollars

3. You found a customer ready to buy The Fortiva | YBUY Integrated Solution Fortiva | YBUY allows you to close more sales CONFIDENTIAL 3 They are declined by Prime Bank They walk out the door You found a customer ready to purchase But no cash and no Credit Card You spent the Marketing Dollar s You attracted Customers without Cash Give your customer another alternative Fortiva | YBUY Solution

4. CONFIDENTIAL 4 Fortiva and YBUY, subsidiaries of Atlanticus Holdings Corporation (NASDAQ: ATLC), specialize in offering credit alternatives to customers who may be declined by traditional lending sources. Our 17 years of experience in the subprime credit industry have taught us how to balance the needs of the lender and the borrower to maximize value for both. Our underwriting expertise and proprietary credit models allow us to offer lending options to consumers, regardless of credit score. Since 1996, we have originated over 13 million new customers and $15 billion in receivables. Fortiva | YBUY Knowledge from Experience

5. The Leader in Alternative Payment Options Companies in businesses such as home furnishings, consumer electronics, dentistry, elective medical, tutoring centers and many others are already using the Fortiva financing solutions Over 1,500 partners in more than 8,000 retail locations are currently using our solution CONFIDENTIAL 5

6. 6 Revolving Credit Terms Lease Purchase Offer Dedicated revolving line of credit Open end accounts encourage repeat sales Credit lines up to $5,000 No Down Payment Requirement Fixed affordable monthly payments 6 and 12 Month Deferred Interest plans National reach with consistent terms No credit check option Lease Purchase over 12 months 90-Day “Same as Cash” Option $3,500 Lease Purchase Lines Initial in-store payment required Early buyout options Compliant with all sales tax requirements Close more sales and increase revenue

7. Flexible Technology Solutions We are ready to integrate with your systems now, whatever delivery method you choose. CONFIDENTIAL 7 Our technology group offers customizable solutions that integrate into our partners’ systems based on their specifications. Alternately, partners may choose to adopt our innovative web platform as a proven turnkey solution. Our integration simplifies the application process for you and for the consumer. It provides a better customer experience and eliminates a point of disruption in the sales experience. Since the setup process is minimal, you’ll be up and running with Fortiva quickly.

8. CONFIDENTIAL 8 Funding is settled daily on a net basis (net of discounts and refunds) Settlement occurs via ACH within 2-3 days of transaction processing Settlement can be handled at the Store Level Settlement can be handled at the Dealer Level Settlement can be handled at the Corporate Level Settlement Options Settlement Our company has settled billions of dollars in transactions in structures monitored by rating agencies

9. Training and Merchant Support Our multifaceted training program has implemented our solution for national retailers and service providers in over 8,000 locations CONFIDENTIAL 9 WebEx driven training program for large scale execution Documented training and FAQs for store reference Merchant Services Team providing ongoing location support and training requirements

10. Put Our Knowledge to Work for You! Fortiva Financial has extensive experience providing payment offers to consumers who would otherwise be unable to access retail products and services. Our flexibility allows us to work in industries ranging from education and elective medical to hand held devices, electronics and furniture retail. Our processes are extensively tested and refined to meet all applicable compliance requirements. In addition, our award-winning customer service is among the best in the industry. We look forward to discussing with you how we can partner together to help your company sell more furniture. CONFIDENTIAL 10