

Summary Condensed Consolidating Balance Sheet
June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Total assets, as reported:	$	898,254		$	308,668	$	616,223		$	(1,073,571	)	$	749,574
Reclassifications	(4,436		)	64,591		(64,591		)	(568		)	(5,004		)
Revisions	(193,945		)	—		(193,943		)	387,888			—
Total assets, revised	$	699,873		$	373,259	$	357,689		$	(686,251	)	$	744,570

Total liabilities, as reported:	$	445,508		$	20,018	$	25,747		$	(194,444	)	$	296,829
Reclassifications	(4,436		)	4,753		(4,753		)	(568		)	(5,004		)
Revisions	(175,054		)	—		8,826			185,118			18,890
Total liabilities, revised	$	266,018		$	24,771	$	29,820		$	(9,894	)	$	310,715

Total stockholders’ equity, as reported:	$	452,746		$	288,650	$	590,476		$	(879,127	)	$	452,745
Reclassifications	—			59,838		(59,838		)	—			—
Revisions	(18,891		)	—		(202,769		)	202,770			(18,890		)
Total stockholders’ equity, revised	$	433,855		$	348,488	$	327,869		$	(676,357	)	$	433,855



Summary Condensed Consolidating Statement of Comprehensive Income
Three Months Ended June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Net income (loss), as reported:	$	(7,469	)	$	9,537	$	11,271		$	—		$	13,339
Reclassifications	20,808			773		(773		)	(20,808		)	—
Net income (loss), revised	$	13,339		$	10,310	$	10,498		$	(20,808	)	$	13,339

Other comprehensive income (loss), as reported:	$	(7,469	)	$	9,537	$	6,944		$	—		$	9,012
Reclassifications	20,808			773		(773		)	(20,808		)	—
Revisions	(6,657		)	—		4,327			—			(2,330		)
Other comprehensive income (loss), revised	$	6,682		$	10,310	$	10,498		$	(20,808	)	$	6,682



Summary Condensed Consolidating Statement of Comprehensive Income
Six Months Ended June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Net income (loss), as reported:	$	(14,561	)	$	22,059	$	22,629		$	—		$	30,127
Reclassifications	44,688			1,776		(1,776		)	(44,688		)	—
Net income (loss), revised	$	30,127		$	23,835	$	20,853		$	(44,688	)	$	30,127

Other comprehensive income (loss), as reported:	$	(14,561	)	$	22,059	$	13,753		$	—		$	21,251
Reclassifications	44,688			1,776		(1,776		)	(44,688		)	—
Revisions	(13,656		)	—		8,876			—			(4,780		)
Other comprehensive income (loss), revised	$	16,471		$	23,835	$	20,853		$	(44,688	)	$	16,471



Summary Condensed Consolidating Statement of Cash Flows
Six Months Ended June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries			Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Cash flow from operating activities, as reported:	$	(21,671	)	$	(1,300	)	$	64,880		$	—		$	41,909
Reclassifications	—			107			(107		)	—			—
Revisions	39,985			32,383			(34,332		)	(38,036		)	—
Cash flow from operating activities, revised	$	18,314		$	31,190		$	30,441		$	(38,036	)	$	41,909

Cash flow from investing activities, as reported:	$	4,432		$	859		$	(49,462	)	$	—		$	(44,171	)
Reclassifications	—			(24,802		)	24,802			—			—
Revisions	(39,985		)	—			4,922			35,063			—
Cash flow from investing activities, revised	$	(35,553	)	$	(23,943	)	$	(19,738	)	$	35,063		$	(44,171	)

Cash flow from financing activities, as reported:	$	15,144		$	—		$	—		$	—		$	15,144
Reclassifications	—			(7,581		)	4,608			2,973			—
Cash flow from financing activities, revised	$	15,144		$	(7,581	)	$	4,608		$	2,973		$	15,144



Condensed Consolidating Balance Sheet
June 30, 2016
(unaudited, in thousands)

	Parent Company		Guarantor Subsidiaries		Non-Guarantor Subsidiaries		Consolidating Eliminations			Consolidated
ASSETS
Cash and cash equivalents	$	7,505	$	2,618	$	36,151	$	—		$	46,274
Pawn loan fees and service charges receivable	—		7,124		11,135		—			18,259
Pawn loans	—		58,756		75,902		—			134,658
Consumer loans, net	—		606		454		—			1,060
Inventories	—		39,341		52,520		—			91,861
Prepaid expenses and other current assets	5,678		—		2,103		—			7,781
Intercompany receivable	6,804		—		1,639		(8,443		)	—
Total current assets	19,987		108,445		179,904		(8,443		)	299,893

Property and equipment, net	3,983		63,272		56,640		—			123,895
Goodwill	—		196,804		115,684		—			312,488
Other non-current assets	1,155		4,349		4,104		—			9,608
Deferred tax assets	—		—		10,720		—			10,720
Investments in subsidiaries	671,530		—		—		(671,530		)	—
Total assets	$	696,655	$	372,870	$	367,052	$	(679,973	)	$	756,604

LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and accrued liabilities	$	16,293	$	8,217	$	26,546	$	—		$	51,056
Income taxes payable	—		—		1,559		—			1,559
Intercompany payable	—		—		8,443		(8,443		)	—
Total current liabilities	16,293		8,217		36,548		(8,443		)	52,615

Revolving unsecured credit facilities	50,500		—		—		—			50,500
Senior unsecured notes	196,203		—		—		—			196,203
Deferred tax liabilities	173		21,170		2,457		—			23,800
Total liabilities	263,169		29,387		39,005		(8,443		)	323,118

Total stockholders’ equity	433,486		343,483		328,047		(671,530		)	433,486
Total liabilities and stockholders’ equity	$	696,655	$	372,870	$	367,052	$	(679,973	)	$	756,604



Condensed Consolidating Balance Sheet
June 30, 2015
(unaudited, in thousands)

	Parent Company		Guarantor Subsidiaries		Non-Guarantor Subsidiaries		Consolidating Eliminations			Consolidated
ASSETS
Cash and cash equivalents	$	5,704	$	2,812	$	68,914	$	—		$	77,430
Pawn loan fees and service charges receivable	—		7,691		9,920		—			17,611
Pawn loans	—		61,869		63,100		—			124,969
Consumer loans, net	—		565		505		—			1,070
Inventories	—		38,436		49,644		—			88,080
Prepaid expenses and other current assets	2,789		—		1,064		—			3,853
Intercompany receivable	8,825		—		—		(8,825		)	—
Total current assets	17,318		111,373		193,147		(8,825		)	313,013

Property and equipment, net	4,082		54,593		53,079		—			111,754
Goodwill	—		201,853		98,525		—			300,378
Other non-current assets	1,047		5,440		4,251		—			10,738
Deferred tax assets	1,069		—		8,687		(1,069		)	8,687
Investments in subsidiaries	676,357		—		—		(676,357		)	—
Total assets	$	699,873	$	373,259	$	357,689	$	(686,251	)	$	744,570

LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and accrued liabilities	$	13,366	$	7,671	$	18,459	$	—		$	39,496
Income taxes payable	1,088		—		245		—			1,333
Intercompany payable	—		—		8,825		(8,825		)	—
Total current liabilities	14,454		7,671		27,529		(8,825		)	40,829

Revolving unsecured credit facilities	56,000		—		—		—			56,000
Senior unsecured notes	195,564		—		—		—			195,564
Deferred tax liabilities	—		17,100		2,291		(1,069		)	18,322
Total liabilities	266,018		24,771		29,820		(9,894		)	310,715

Total stockholders’ equity	433,855		348,488		327,869		(676,357		)	433,855
Total liabilities and stockholders’ equity	$	699,873	$	373,259	$	357,689	$	(686,251	)	$	744,570



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 June 30, 2016
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	39,459	$	76,084		$	—		$	115,543
Pawn loan fees	—			19,354		32,524			—			51,878
Consumer loan and credit services fees	—			4,338		578			—			4,916
Wholesale scrap jewelry revenue	—			5,210		4,432			—			9,642
Total revenue	—			68,361		113,618			—			181,979

Cost of revenue:
Cost of retail merchandise sold	—			23,839		47,506			—			71,345
Consumer loan and credit services loss provision	—			1,197		123			—			1,320
Cost of wholesale scrap jewelry sold	—			4,340		3,513			—			7,853
Total cost of revenue	—			29,376		51,142			—			80,518

Net revenue	—			38,985		62,476			—			101,461

Expenses and other income:
Store operating expenses	—			23,128		31,450			—			54,578
Administrative expenses ⁽¹⁾	5,183			—		11,326			—			16,509
Merger and acquisition expenses	4,079			—		—			—			4,079
Depreciation and amortization	240			1,630		3,077			—			4,947
Interest expense	4,322			—		4			—			4,326
Interest income	(2		)	—		(222		)	—			(224		)
Total expenses and other income	13,822			24,758		45,635			—			84,215

Income (loss) before income taxes	(13,822		)	14,227		16,841			—			17,246

Provision for income taxes	(5,385		)	5,300		5,658			—			5,573

Income (loss) before equity in net income of subsidiaries	(8,437		)	8,927		11,183			—			11,673

Equity in net income of subsidiaries	20,110			—		—			(20,110		)	—

Net income (loss)	$	11,673		$	8,927	$	11,183		$	(20,110	)	$	11,673
Other comprehensive income (loss):
Currency translation adjustment	(14,214		)	—		—			—			(14,214		)
Comprehensive income (loss)	$	(2,541	)	$	8,927	$	11,183		$	(20,110	)	$	(2,541	)


(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 June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	36,929	$	68,696		$	—		$	105,625
Pawn loan fees	—			19,682		27,901			—			47,583
Consumer loan and credit services fees	—			6,065		645			—			6,710
Wholesale scrap jewelry revenue	—			4,067		3,638			—			7,705
Total revenue	—			66,743		100,880			—			167,623

Cost of revenue:
Cost of retail merchandise sold	—			21,317		44,319			—			65,636
Consumer loan and credit services loss provision	—			1,621		88			—			1,709
Cost of wholesale scrap jewelry sold	—			3,484		2,748			—			6,232
Total cost of revenue	—			26,422		47,155			—			73,577

Net revenue	—			40,321		53,725			—			94,046

Expenses and other income:
Store operating expenses	—			22,214		29,532			—			51,746
Administrative expenses ⁽¹⁾	6,190			—		7,369			—			13,559
Merger and acquisition expenses	1,110			—		—			—			1,110
Depreciation and amortization	186			1,684		2,597			—			4,467
Interest expense	4,126			—		—			—			4,126
Interest income	(2		)	—		(391		)	—			(393		)
Total expenses and other income	11,610			23,898		39,107			—			74,615

Income (loss) before income taxes	(11,610		)	16,423		14,618			—			19,431

Provision for income taxes	(4,141		)	6,113		4,120			—			6,092

Income (loss) before equity in net income of subsidiaries	(7,469		)	10,310		10,498			—			13,339

Equity in net income of subsidiaries	20,808			—		—			(20,808		)	—

Net income (loss)	$	13,339		$	10,310	$	10,498		$	(20,808	)	$	13,339
Other comprehensive income (loss):
Currency translation adjustment	(6,657		)	—		—			—			(6,657		)
Comprehensive income (loss)	$	6,682		$	10,310	$	10,498		$	(20,808	)	$	6,682


(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)
Six Months Ended June 30, 2016
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	85,284	$	149,035		$	—		$	234,319
Pawn loan fees	—			40,683		62,628			—			103,311
Consumer loan and credit services fees	—			9,465		1,137			—			10,602
Wholesale scrap jewelry revenue	—			9,453		7,497			—			16,950
Total revenue	—			144,885		220,297			—			365,182

Cost of revenue:
Cost of retail merchandise sold	—			51,440		94,327			—			145,767
Consumer loan and credit services loss provision	—			2,104		263			—			2,367
Cost of wholesale scrap jewelry sold	—			7,783		5,941			—			13,724
Total cost of revenue	—			61,327		100,531			—			161,858

Net revenue	—			83,558		119,766			—			203,324

Expenses and other income:
Store operating expenses	—			47,063		62,926			—			109,989
Administrative expenses ⁽¹⁾	14,392			—		19,385			—			33,777
Merger and acquisition expenses	4,479			—		—			—			4,479
Depreciation and amortization	414			3,326		6,144			—			9,884
Interest expense	8,716			—		70			—			8,786
Interest income	(4		)	—		(494		)	—			(498		)
Total expenses and other income	27,997			50,389		88,031			—			166,417

Income (loss) before income taxes	(27,997		)	33,169		31,735			—			36,907

Provision for income taxes	(10,563		)	12,300		10,323			—			12,060

Income (loss) before equity in net income of subsidiaries	(17,434		)	20,869		21,412			—			24,847

Equity in net income of subsidiaries	42,281			—		—			(42,281		)	—

Net income (loss)	$	24,847		$	20,869	$	21,412		$	(42,281	)	$	24,847
Other comprehensive income (loss):
Currency translation adjustment	(16,703		)	—		—			—			(16,703		)
Comprehensive income (loss)	$	8,144		$	20,869	$	21,412		$	(42,281	)	$	8,144


(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)
Six Months Ended June 30, 2015
(unaudited, in thousands)

	Parent Company			Guarantor Subsidiaries		Non-Guarantor Subsidiaries			Consolidating Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	—		$	79,782	$	136,297		$	—		$	216,079
Pawn loan fees	—			40,937		55,300			—			96,237
Consumer loan and credit services fees	—			13,033		1,272			—			14,305
Wholesale scrap jewelry revenue	—			9,203		7,822			—			17,025
Total revenue	—			142,955		200,691			—			343,646

Cost of revenue:
Cost of retail merchandise sold	—			46,039		87,843			—			133,882
Consumer loan and credit services loss provision	—			2,547		159			—			2,706
Cost of wholesale scrap jewelry sold	—			8,192		6,049			—			14,241
Total cost of revenue	—			56,778		94,051			—			150,829

Net revenue	—			86,177		106,640			—			192,817

Expenses and other income:
Store operating expenses	—			44,960		59,107			—			104,067
Administrative expenses ⁽¹⁾	12,697			—		14,635			—			27,332
Merger and acquisition expenses	1,175			—		—			—			1,175
Depreciation and amortization	405			3,327		5,282			—			9,014
Interest expense	8,146			—		—			—			8,146
Interest income	(3		)	—		(734		)	—			(737		)
Total expenses and other income	22,420			48,287		78,290			—			148,997

Income (loss) before income taxes	(22,420		)	37,890		28,350			—			43,820

Provision for income taxes	(7,859		)	14,055		7,497			—			13,693

Income (loss) before equity in net income of subsidiaries	(14,561		)	23,835		20,853			—			30,127

Equity in net income of subsidiaries	44,688			—		—			(44,688		)	—

Net income (loss)	$	30,127		$	23,835	$	20,853		$	(44,688	)	$	30,127
Other comprehensive income (loss):
Currency translation adjustment	(13,656		)	—		—			—			(13,656		)
Comprehensive income (loss)	$	16,471		$	23,835	$	20,853		$	(44,688	)	$	16,471


(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
Six Months Ended June 30, 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	$	29,473		$	30,050		$	21,687		$	(41,637	)	$	39,573
Cash flow from investing activities:
Loan receivables, net of cash repayments	—			7,354			(16,820		)	—			(9,466		)
Purchases of property and equipment	(829		)	(10,410		)	(5,834		)	—			(17,073		)
Acquisitions of pawn stores, net of cash acquired	—			(1,324		)	(26,329		)	—			(27,653		)
Investing activity with subsidiaries	(12,015		)	—			—			12,015			—
Net cash flow provided by (used in) investing activities	(12,844		)	(4,380		)	(48,983		)	12,015			(54,192		)
Cash flow from financing activities:
Borrowings from revolving credit facilities	29,500			—			—			—			29,500
Repayments of revolving credit facilities	(37,000		)	—			—			—			(37,000		)
Repayments of notes payable	—			—			(6,532		)	—			(6,532		)
Debt issuance costs paid	(23		)	—			—			—			(23		)
Dividends paid	(7,061		)	—			—			—			(7,061		)
Proceeds from intercompany financing related activity	—			11,734			281			(12,015		)	—
Intercompany dividends paid	—			(38,551		)	(3,086		)	41,637			—
Net cash flow provided by (used in) financing activities	(14,584		)	(26,817		)	(9,337		)	29,622			(21,116		)
Effect of exchange rates on cash	—			—			(4,945		)	—			(4,945		)
Change in cash and cash equivalents	2,045			(1,147		)	(41,578		)	—			(40,680		)
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	$	7,505		$	2,618		$	36,151		$	—		$	46,274



Condensed Consolidating Statement of Cash Flows
Six Months Ended June 30, 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	$	18,314		$	31,190		$	30,441		$	(38,036	)	$	41,909
Cash flow from investing activities:
Loan receivables, net of cash repayments	—			4,519			(8,490		)	—			(3,971		)
Purchases of property and equipment	(490		)	(3,112		)	(4,998		)	—			(8,600		)
Acquisitions of pawn stores, net of cash acquired	—			(25,350		)	(6,250		)	—			(31,600		)
Investing activity with subsidiaries	(35,063		)	—			—			35,063			—
Net cash flow provided by (used in) investing activities	(35,553		)	(23,943		)	(19,738		)	35,063			(44,171		)
Cash flow from financing activities:
Borrowings from revolving credit facilities	63,055			—			—			—			63,055
Repayments of revolving credit facilities	(29,455		)	—			—			—			(29,455		)
Purchases of treasury stock	(22,974		)	—			—			—			(22,974		)
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	—			28,462			6,601			(35,063		)	—
Intercompany dividends paid	—			(36,043		)	(1,993		)	38,036			—
Net cash flow provided by (used in) financing activities	15,144			(7,581		)	4,608			2,973			15,144
Effect of exchange rates on cash	—			—			(3,444		)	—			(3,444		)
Change in cash and cash equivalents	(2,095		)	(334		)	11,867			—			9,438
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	$	5,704		$	2,812		$	68,914		$	—		$	77,430