

Summary Condensed Consolidating Balance Sheet
March 31, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Total assets, as reported	$	852,794		$	300,088	$	572,045		$	(1,019,639	)	$	705,288
Reclassifications	(4,591		)	37,923		(37,923		)	1,341			(3,250		)
Revisions	(189,426		)	—		(189,424		)	378,850			—
Total assets, revised	$	658,777		$	338,011	$	344,698		$	(639,448	)	$	702,038

Total liabilities, as reported	$	403,760		$	21,958	$	23,391		$	(192,855	)	$	256,254
Reclassifications	(4,591		)	3,016		(3,016		)	1,341			(3,250		)
Revisions	(172,866		)	—		6,528			182,898			16,560
Total liabilities, revised	$	226,303		$	24,974	$	26,903		$	(8,616	)	$	269,564

Total stockholders’ equity, as reported	$	449,034		$	278,130	$	548,654		$	(826,784	)	$	449,034
Reclassifications	—			34,907		(34,907		)	—			—
Revisions	(16,560		)	—		(195,952		)	195,952			(16,560		)
Total stockholders’ equity, revised	$	432,474		$	313,037	$	317,795		$	(630,832	)	$	432,474



Summary Condensed Consolidating Statement of Comprehensive Income
Three Months Ended March 31, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Net income (loss), as reported	$	(7,092	)	$	12,522	$	11,358		$	—		$	16,788
Reclassifications	23,880			1,003		(1,003		)	(23,880		)	—
Net income (loss), revised	$	16,788		$	13,525	$	10,355		$	(23,880	)	$	16,788

Other comprehensive income (loss), as reported:	$	(7,092	)	$	12,522	$	6,809		$	—		$	12,239
Reclassifications	23,880			1,003		(1,003		)	(23,880		)	—
Revisions	(6,999		)	—		4,549			—			(2,450		)
Other comprehensive income (loss), revised:	$	9,789		$	13,525	$	10,355		$	(23,880	)	$	9,789



Summary Condensed Consolidating Statement of Cash Flows
Three Months Ended March 31, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries			Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Cash flow from operating activities, as reported	$	23,097		$	(10,584	)	$	14,917		$	—		$	27,430
Reclassifications	—			(24		)	24			—			—
Revisions	5,650			32,686			(987		)	(37,349		)	—
Cash flow from operating activities, revised	$	28,747		$	22,078		$	13,954		$	(37,349	)	$	27,430

Cash flow from investing activities, as reported	$	2,596		$	10,159		$	(10,379	)	$	—		$	2,376
Reclassifications	—			36			(36		)	—			—
Revisions	(5,650		)	—			2,734			2,916			—
Cash flow from investing activities, revised	$	(3,054	)	$	10,195		$	(7,681	)	$	2,916		$	2,376

Cash flow from financing activities, as reported	$	(20,356	)	$	—		$	—		$	—		$	(20,356	)
Reclassifications	—			(32,722		)	(1,711		)	34,433			—
Cash flow from financing activities, revised	$	(20,356	)	$	(32,722	)	$	(1,711	)	$	34,433		$	(20,356	)



Condensed Consolidating Balance Sheet
March 31, 2016
(unaudited, in thousands)

	Parent Company		Guarantor Subsidiaries		Non-Guarantor Subsidiaries		Consolidating Eliminations			Consolidated
ASSETS
Cash and cash equivalents	$	8,216	$	2,838	$	43,096	$	—		$	54,150
Pawn loan fees and service charges receivable	—		6,511		10,559		—			17,070
Pawn loans	—		52,809		73,811		—			126,620
Consumer loans, net	—		497		488		—			985
Inventories	—		41,163		49,551		—			90,714
Prepaid expenses and other current assets	4,300		—		2,611		—			6,911
Intercompany receivable	10,570		—		1,601		(12,171		)	—
Total current assets	23,086		103,818		181,717		(12,171		)	296,450

Property and equipment, net	3,856		57,101		59,755		—			120,712
Goodwill	—		196,733		118,706		—			315,439
Other non-current assets	1,222		4,631		4,438		—			10,291
Deferred tax assets	—		—		10,993		—			10,993
Investments in subsidiaries	665,322		—		—		(665,322		)	—
Total assets	$	693,486	$	362,283	$	375,609	$	(677,493	)	$	753,885

LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and accrued liabilities	$	17,975	$	7,681	$	28,840	$	—		$	54,496
Income taxes payable	—		—		1,433		—			1,433
Intercompany payable	—		—		12,171		(12,171		)	—
Total current liabilities	17,975		7,681		42,444		(12,171		)	55,929

Revolving unsecured credit facilities	40,000		—		—		—			40,000
Senior unsecured notes	196,037		—		—		—			196,037
Deferred tax liabilities	186		19,964		2,482		—			22,632
Total liabilities	254,198		27,645		44,926		(12,171		)	314,598

Total stockholders’ equity	439,288		334,638		330,683		(665,322		)	439,287
Total liabilities and stockholders’ equity	$	693,486	$	362,283	$	375,609	$	(677,493	)	$	753,885



Condensed Consolidating Balance Sheet
March 31, 2015
(unaudited, in thousands)

	Parent Company		Guarantor Subsidiaries		Non-Guarantor Subsidiaries		Consolidating Eliminations			Consolidated
ASSETS
Cash and cash equivalents	$	13,136	$	2,697	$	59,970	$	—		$	75,803
Pawn loan fees and service charges receivable	—		6,667		9,565		—			16,232
Pawn loans	—		52,461		61,845		—			114,306
Consumer loans, net	—		461		516		—			977
Inventories	—		34,802		47,752		—			82,554
Prepaid expenses and other current assets	1,647		—		2,145		(490		)	3,302
Intercompany receivable	6,526		—		—		(6,526		)	—
Total current assets	21,309		97,088		181,793		(7,016		)	293,174

Property and equipment, net	3,916		53,807		54,864		—			112,587
Goodwill	—		181,752		94,793		—			276,545
Other non-current assets	1,120		5,364		4,403		—			10,887
Deferred tax assets	1,600		—		8,845		(1,600		)	8,845
Investments in subsidiaries	630,832		—		—		(630,832		)	—
Total assets	$	658,777	$	338,011	$	344,698	$	(639,448	)	$	702,038

LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and accrued liabilities	$	15,854	$	7,604	$	18,246	$	—		$	41,704
Income taxes payable	540		—		—		(490		)	50
Intercompany payable	—		—		6,526		(6,526		)	—
Total current liabilities	16,394		7,604		24,772		(7,016		)	41,754

Revolving unsecured credit facilities	14,500		—		—		—			14,500
Senior unsecured notes	195,409		—		—		—			195,409
Deferred tax liabilities	—		17,370		2,131		(1,600		)	17,901
Total liabilities	226,303		24,974		26,903		(8,616		)	269,564

Total stockholders’ equity	432,474		313,037		317,795		(630,832		)	432,474
Total liabilities and stockholders’ equity	$	658,777	$	338,011	$	344,698	$	(639,448	)	$	702,038



Condensed Consolidating Balance Sheet
December 31, 2015
(unaudited, in thousands)

	Parent Company		Guarantor Subsidiaries		Non-Guarantor Subsidiaries		Consolidating Eliminations			Consolidated
ASSETS
Cash and cash equivalents	$	5,460	$	3,765	$	77,729	$	—		$	86,954
Pawn loan fees and service charges receivable	—		7,596		8,810		—			16,406
Pawn loans	—		61,204		56,397		—			117,601
Consumer loans, net	—		624		494		—			1,118
Inventories	—		46,349		47,109		—			93,458
Prepaid expenses and other current assets	6,477		—		3,420		—			9,897
Intercompany receivable	7,382		—		—		(7,382		)	—
Total current assets	19,319		119,538		193,959		(7,382		)	325,434

Property and equipment, net	3,568		55,585		53,294		—			112,447
Goodwill	—		196,224		99,385		—			295,609
Other non-current assets	1,290		4,893		3,901		—			10,084
Deferred tax assets	—		—		9,321		—			9,321
Investments in subsidiaries	675,574		—		—		(675,574		)	—
Total assets	$	699,751	$	376,240	$	359,860	$	(682,956	)	$	752,895

LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and accrued liabilities	$	14,308	$	7,929	$	20,015	$	—		$	42,252
Income taxes payable	—		—		3,923		—			3,923
Intercompany payable	—		—		7,382		(7,382		)	—
Total current liabilities	14,308		7,929		31,320		(7,382		)	46,175

Revolving unsecured credit facilities	58,000		—		—		—			58,000
Senior unsecured notes	195,874		—		—		—			195,874
Deferred tax liabilities	187		18,880		2,397		—			21,464
Total liabilities	268,369		26,809		33,717		(7,382		)	321,513

Total stockholders’ equity	431,382		349,431		326,143		(675,574		)	431,382
Total liabilities and stockholders’ equity	$	699,751	$	376,240	$	359,860	$	(682,956	)	$	752,895



Condensed Consolidating Statement of Comprehensive Income (Loss)
Three Months Ended March 31, 2016
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	45,825	$	72,951		$	—		$	118,776
Pawn loan fees	—			21,329		30,104			—			51,433
Consumer loan and credit services fees	—			5,127		559			—			5,686
Wholesale scrap jewelry revenue	—			4,243		3,065			—			7,308
Total revenue	—			76,524		106,679			—			183,203

Cost of revenue:
Cost of retail merchandise sold	—			27,601		46,821			—			74,422
Consumer loan and credit services loss provision	—			907		140			—			1,047
Cost of wholesale scrap jewelry sold	—			3,443		2,428			—			5,871
Total cost of revenue	—			31,951		49,389			—			81,340

Net revenue	—			44,573		57,290			—			101,863

Expenses and other income:
Store operating expenses	—			23,935		31,476			—			55,411
Administrative expenses ⁽¹⁾	9,609			—		8,059			—			17,668
Depreciation and amortization	174			1,696		3,067			—			4,937
Interest expense	4,394			—		66			—			4,460
Interest income	(2		)	—		(272		)	—			(274		)
Total expenses and other income	14,175			25,631		42,396			—			82,202

Income (loss) before income taxes	(14,175		)	18,942		14,894			—			19,661

Provision for income taxes	(5,178		)	7,000		4,665			—			6,487

Income (loss) before equity in net income of subsidiaries	(8,997		)	11,942		10,229			—			13,174

Equity in net income of subsidiaries	22,171			—		—			(22,171		)	—

Net income (loss)	$	13,174		$	11,942	$	10,229		$	(22,171	)	$	13,174
Other comprehensive income (loss):
Currency translation adjustment	(2,489		)	—		—			—			(2,489		)
Comprehensive income (loss)	$	10,685		$	11,942	$	10,229		$	(22,171	)	$	10,685


(1)	Includes the allocation of certain administrative expenses and the payment of royalties between the Parent Company and certain foreign Non-Guarantor Subsidiaries.



Condensed Consolidating Statement of Comprehensive Income (Loss)
Three Months Ended March 31, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	42,853	$	67,601		$	—		$	110,454
Pawn loan fees	—			21,255		27,399			—			48,654
Consumer loan and credit services fees	—			6,968		627			—			7,595
Wholesale scrap jewelry revenue	—			5,136		4,184			—			9,320
Total revenue	—			76,212		99,811			—			176,023

Cost of revenue:
Cost of retail merchandise sold	—			24,722		43,524			—			68,246
Consumer loan and credit services loss provision	—			926		71			—			997
Cost of wholesale scrap jewelry sold	—			4,708		3,301			—			8,009
Total cost of revenue	—			30,356		46,896			—			77,252

Net revenue	—			45,856		52,915			—			98,771

Expenses and other income:
Store operating expenses	—			22,746		29,575			—			52,321
Administrative expenses ⁽¹⁾	6,572			—		7,266			—			13,838
Depreciation and amortization	219			1,643		2,685			—			4,547
Interest expense	4,020			—		—			—			4,020
Interest income	(1		)	—		(343		)	—			(344		)
Total expenses and other income	10,810			24,389		39,183			—			74,382

Income (loss) before income taxes	(10,810		)	21,467		13,732			—			24,389

Provision for income taxes	(3,718		)	7,942		3,377			—			7,601

Income (loss) before equity in net income of subsidiaries	(7,092		)	13,525		10,355			—			16,788

Equity in net income of subsidiaries	23,880			—		—			(23,880		)	—

Net income (loss)	$	16,788		$	13,525	$	10,355		$	(23,880	)	$	16,788
Other comprehensive income (loss):
Currency translation adjustment	(6,999		)	—		—			—			(6,999		)
Comprehensive income (loss)	$	9,789		$	13,525	$	10,355		$	(23,880	)	$	9,789


(1)	Includes the allocation of certain administrative expenses and the payment of royalties between the Parent Company and certain foreign Non-Guarantor Subsidiaries.



Condensed Consolidating Statement of Cash Flows
Three Months Ended March 31, 2016
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries			Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Cash flow from operating activities:
Net cash flow provided by (used in) operating activities	$	28,542		$	17,178		$	13,083		$	(33,727	)	$	25,076
Cash flow from investing activities:
Loan receivables, net of cash repayments	—			12,309			(7,016		)	—			5,293
Purchases of property and equipment	(462		)	(2,905		)	(2,976		)	—			(6,343		)
Acquisitions of pawn stores, net of cash acquired	—			(774		)	(25,271		)	—			(26,045		)
Investing activity with subsidiaries	(3,794		)	—			—			3,794			—
Net cash flow provided by (used in) investing activities	(4,256		)	8,630			(35,263		)	3,794			(27,095		)
Cash flow from financing activities:
Borrowings from revolving credit facilities	11,500			—			—			—			11,500
Repayments of revolving credit facilities	(29,500		)	—			—			—			(29,500		)
Repayments of notes payable	—			—			(6,532		)	—			(6,532		)
Dividends paid	(3,530		)	—			—			—			(3,530		)
Proceeds from intercompany financing related activity	—			3,679			115			(3,794		)	—
Intercompany dividends paid	—			(30,414		)	(3,313		)	33,727			—
Net cash flow provided by (used in) financing activities	(21,530		)	(26,735		)	(9,730		)	29,933			(28,062		)
Effect of exchange rates on cash	—			—			(2,723		)	—			(2,723		)
Change in cash and cash equivalents	2,756			(927		)	(34,633		)	—			(32,804		)
Cash and cash equivalents at beginning of the period	5,460			3,765			77,729			—			86,954
Cash and cash equivalents at end of the period	$	8,216		$	2,838		$	43,096		$	—		$	54,150



Condensed Consolidating Statement of Cash Flows
Three Months Ended March 31, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries			Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Cash flow from operating activities:
Net cash flow provided by (used in) operating activities	$	28,747		$	22,078		$	13,954		$	(37,349	)	$	27,430
Cash flow from investing activities:
Loan receivables, net of cash repayments	—			12,637			(4,325		)	—			8,312
Purchases of property and equipment	(138		)	(1,192		)	(3,056		)	—			(4,386		)
Acquisitions of pawn stores, net of cash acquired	—			(1,250		)	(300		)	—			(1,550		)
Investing activity with subsidiaries	(2,916		)	—			—			2,916			—
Net cash flow provided by (used in) investing activities	(3,054		)	10,195			(7,681		)	2,916			2,376
Cash flow from financing activities:
Borrowings from revolving credit facilities	21,555			—			—			—			21,555
Repayments of revolving credit facilities	(29,455		)	—			—			—			(29,455		)
Purchases of treasury stock	(16,974		)	—			—			—			(16,974		)
Proceeds from exercise of share-based compensation awards	2,901			—			—			—			2,901
Income tax benefit from exercise of stock options	1,617			—			—			—			1,617
Proceeds from intercompany financing related activity	—			2,442			474			(2,916		)	—
Intercompany dividends paid	—			(35,164		)	(2,185		)	37,349			—
Net cash flow provided by (used in) financing activities	(20,356		)	(32,722		)	(1,711		)	34,433			(20,356		)
Effect of exchange rates on cash	—			—			(1,639		)	—			(1,639		)
Change in cash and cash equivalents	5,337			(449		)	2,923			—			7,811
Cash and cash equivalents at beginning of the period	7,799			3,146			57,047			—			67,992
Cash and cash equivalents at end of the period	$	13,136		$	2,697		$	59,970		$	—		$	75,803