QC Holdings, Inc. NASDAQ: QCCO

1
QC Holdings, Inc.NASDAQ QCCO

• Fourth Quarter and Full Year 2005
• Earnings Conference Call
• - February 9, 2006 -

2
Cautionary Note About Forward-Looking Statements

• Forward Looking Statement Disclaimer This
  presentation contains forward-looking statements
  within the meaning of the Private Securities
  Litigation Reform Act of 1995. These
  forward-looking statements are based on the
  Companys current expectations and are subject to
  a number of risks and uncertainties, which could
  cause actual results to differ materially from
  those forward-looking statements. These risks
  include (1) changes in laws or regulations or
  governmental interpretations of existing laws and
  regulations governing consumer protection or
  payday lending practices, (2) litigation or
  regulatory action directed towards us or the
  payday loan industry, (3) volatility in our
  earnings, primarily as a result of fluctuations
  in loan loss experience and the rate of revenue
  growth in branches, (4) negative media reports
  and public perception of the payday loan industry
  and the impact on state legislatures and federal
  and state regulators, (5) changes in our key
  management personnel, (6) integration risks and
  costs associated with acquisitions, and (7) the
  other risks detailed under the caption Risk
  Factors in our Annual Report on Form 10-K for
  the year ended December 31, 2004 filed with the
  Securities and Exchange Commission. QC will not
  update any forward-looking statements made in
  this presentation or on the conference call
  accompanying this presentation.

3
Company Representatives

• Don Early
• Chairman and CEO
• Mary Lou Andersen
• Vice Chairman
• Darrin Andersen
• President and COO
• Doug Nickerson
• CFO

4
Business Summary Update

• Accelerated Rate of Unit Branch Growth
• 258 branches added since June 30, 2004
• 50 of branches average nine months of age
• 2006 Company Initiatives
• Superior branch performance through Operational
  Excellence
• Reduce losses Drive revenues Control Costs
• Expect to open 75 to 100 branches during 2006
• Legislative and Regulatory Environment
• Industry-wide effort to maintain stability and
  improve legislation
• No exposure to FDIC
• Financial Results
• Improved loss ratio to 24.1 in fourth quarter
  from 34.9 in third quarter
• 29 growth in revenue during 2005
• Decline in 2005 income from continuing operations
  due to accelerated branch growth and higher loan
  losses

5
Our Versatile Footprint
(number of branches)
6
Unit Branch Growth
of de novo branches opened

• De Novo
• Quarterly 2005 branch growth nearly equivalent to
  branch growth in each of last two years
• Expect to open 75 to 100 branches in 2006
• Acquisitions
• Strategic/Opportunistic
• 2005 acquired 10 branches through 5 transactions
• 2004 acquired 29 branches through 3 transactions

7
Focus Operational Excellence

• Demand superior operating performance from every
  branch and each employee
• Branch-by-branch execution of operating
  procedures and processes
• Driven by Regional Managers and implemented by
  Area Managers
• Structured for improvement

What is the 2006 focus?
8
Focus Operational Excellence (cont.)

• Reduce Losses
• Up-front procedures in place in all branches
• Selectively implementing underwriting procedures
• Targeted and consistent collections
• Drive Revenues
• Be the most convenient
• Excellent customer service
• Marketing
• Operational Efficiency
• Manage costs branch-by-branch

What are the specific directives?
9
Legislative and Regulatory

• 2005 Net gain for the industry
• Positive legislation changes in Kansas, Ohio,
  Michigan
• Negative impact of FDIC
• Neutral Texas, Illinois
• 2006 Continue the positive trends in
  legislative and regulatory environment
• Led by the Community Financial Services
  Association of America (CFSA)
• Focus on maintaining stability and improving
  legislation
• Numerous challenges and opportunities
• QC has no exposure to the bank agency model or
  FDIC

10
Quarterly Financial Information
(unaudited in thousands)
11
Full Year Financial Information
(unaudited in thousands)
12
Charts Losses and Revenues
Comparable Revenue Growth Rate
Composition of Loan Losses
Note Information is for branches that were open
during the full 15 month period ended as of each
quarter
13
Summary Balance Sheets
(s in thousands)
14
Revenue by Branch Vintage
(s in thousands Year Ended December 31)
15
Profitability by Branch Vintage
(s in thousands Year Ended December 31, 2005)
16
QC Holdings, Inc.NASDAQ QCCO

• Fourth Quarter and Full Year 2005
• Earnings Conference Call
• - February 9, 2006 -