Condensed Consolidating Financial Information

On February 3, 2012, we filed with the United States Securities and Exchange Commission a “shelf” registration statement on Form S-3 registering the offer and sale of an indeterminate amount of a variety of securities, including debt securities. Unless otherwise indicated in connection with a particular offering of debt securities, each of our domestic subsidiaries will fully and unconditionally guarantee on a joint and several basis our payment obligations under such debt securities.

In accordance with Rule 3-10(d) of Regulation S-X, the following presents condensed consolidating financial information as of June 30, 2012 and 2011 and for the current and prior three and nine-month periods then ended and as of September 30, 2011 for EZCORP, Inc. (the “Parent”), each of the Parent’s domestic subsidiaries (the “Subsidiary Guarantors”) on a combined basis and each of the Parent’s other subsidiaries (the “Other Subsidiaries”) on a combined basis. Eliminating entries presented are necessary to combine the groups of entities.

Condensed Consolidating Balance Sheets



	June 30, 2012
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Assets:
Current assets:
Cash and cash equivalents	$	703		$	28,674		$	21,397		$	—		$	50,774
Cash, restricted	—			—			1,051			—			1,051
Pawn loans, net	—			134,064			13,439			—			147,503
Consumer loans, net	—			14,928			13,559			—			28,487
Pawn service charges receivable, net	—			24,041			2,051			—			26,092
Consumer loan fees receivable, net	—			6,026			19,703			—			25,729
Inventory, net	—			81,355			13,066			—			94,421
Deferred tax asset	12,747			5,479			—			—			18,226
Receivable from affiliates	202,619			83,050			—			(285,669		)	—
Federal income tax receivable	9,732			506			(340		)	—			9,898
Prepaid expenses and other assets	42			35,840			4,386			—			40,268
Total current assets	225,843			413,963			88,312			(285,669		)	442,449
Investments in unconsolidated affiliates	51,156			74,153			—			—			125,309
Investments in subsidiaries	135,412			72,946			—			(208,358		)	—
Property and equipment, net	—			69,911			30,285			—			100,196
Goodwill	—			221,519			99,904			—			321,423
Intangible assets, net	1,698			15,998			60,970			—			78,666
Non-current consumer loans, net	—			—			50,587			—			50,587
Other assets, net	—			8,633			10,810			—			19,443
Total assets	$	414,109		$	877,123		$	340,868		$	(494,027	)	$	1,138,073
Liabilities and stockholders’ equity:
Current liabilities:
Current maturities of long-term debt	$	—		$	—		$	31,126		$	—		$	31,126
Current capital lease obligations	—			395			—			—			395
Accounts payable and other accrued expenses	95			46,495			24,106			—			70,696
Customer layaway deposits	—			5,884			856			—			6,740
Intercompany payables	(170,788		)	371,474			84,983			(285,669		)	—
Federal income taxes payable	9,875			(6,168		)	(3,707		)	—			—
Total current liabilities	(160,818		)	418,080			137,364			(285,669		)	108,957
Long-term debt, less current maturities	114,700			—			61,040			—			175,740
Long-term capital lease obligations	—			764			—			—			764
Deferred tax liability	6,522			1,266			—			—			7,788
Deferred gains and other long-term liabilities	—			1,880			12,307			—			14,187
Total liabilities	(39,596		)	421,990			210,711			(285,669		)	307,436
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—			—			44,864			—			44,864
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	470			12			—			—			482
Class B Voting Common Stock, convertible, par value $.01 per share;	30			—			—			—			30
Additional paid-in capital	294,135			78,688			102,188			(208,358		)	266,653
Retained earnings	154,454			377,229			(4,452		)	—			527,231
Accumulated other comprehensive income (loss)	4,616			(796		)	(12,443		)	—			(8,623		)
EZCORP, Inc. stockholders’ equity	453,705			455,133			85,293			(208,358		)	785,773
Total liabilities and stockholders’ equity	$	414,109		$	877,123		$	340,868		$	(494,027	)	$	1,138,073



	June 30, 2011
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Assets:
Current assets:
Cash and cash equivalents	$	—		$	23,377		$	4,115		$	—		$	27,492
Pawn loans, net	—			124,810			9,823			—			134,633
Consumer loans, net	—			12,423			2,014			—			14,437
Pawn service charges receivable, net	—			22,848			1,524			—			24,372
Consumer loan fees receivable, net	—			6,754			130			—			6,884
Inventory, net	—			70,326			8,705			—			79,031
Deferred tax asset	10,560			5,385			205			—			16,150
Receivable from affiliates	46,658			(46,658		)	—			—			—
Income taxes receivable	3,099			—			—			—			3,099
Prepaid expenses and other assets	42			17,757			4,133			—			21,932
Total current assets	60,359			237,022			30,649			—			328,030
Investments in unconsolidated affiliates	68,321			46,456			—			—			114,777
Investments in subsidiaries	76,999			9,145			—			(86,144		)	—
Property and equipment, net	—			56,522			18,527			—			75,049
Goodwill	—			159,572			7,445			—			167,017
Intangible assets, net	2,296			15,247			2,649			—			20,192
Other assets, net	—			7,207			1,349			—			8,556
Total assets	$	207,975		$	531,171		$	60,619		$	(86,144	)	$	713,621
Liabilities and stockholders’ equity:
Current liabilities:
Accounts payable and other accrued expenses	16			47,531			5,695			—			53,242
Customer layaway deposits	—			5,703			428			—			6,131
Intercompany payables	(216,982		)	169,742			47,240			—			—
Income taxes payable	8,879			(5,157		)	(3,722		)	—			—
Total current liabilities	(208,087		)	217,819			49,641			—			59,373
Long-term debt, less current maturities	26,500			—			—			—			26,500
Deferred tax liability	(345		)	1,571			11			—			1,237
Deferred gains and other long-term liabilities	(446		)	2,208			447			—			2,209
Total liabilities	(182,378		)	221,598			50,099			—			89,319
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—			—			—			—			—
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	458			11			—			—			469
Class B Voting Common Stock, convertible, par value $.01 per share;	30			(1		)	1			—			30
Additional paid-in capital	214,231			89,629			15,340			(86,144		)	233,056
Retained earnings	170,202			220,039			(4,511		)	—			385,730
Accumulated other comprehensive income (loss)	5,432			(105		)	(310		)	—			5,017
EZCorp, Inc. stockholders’ equity	390,353			309,573			10,520			(86,144		)	624,302
Total liabilities and stockholders’ equity	$	207,975		$	531,171		$	60,619		$	(86,144	)	$	713,621



	September 30, 2011
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Assets:
Current assets:
Cash and cash equivalents	$	—		$	20,860		$	3,109		$	—		$	23,969
Pawn loans, net	—			134,457			10,861			—			145,318
Consumer loans, net	—			12,526			2,085			—			14,611
Pawn service charges receivable, net	—			24,792			1,663			—			26,455
Consumer loan fees receivable, net	—			6,642			133			—			6,775
Inventory, net	—			81,277			9,096			—			90,373
Deferred tax asset	12,728			5,397			—			—			18,125
Receivable from affiliates	66,450			(66,450		)	—			—			—
Income taxes receivable	—			—			—			—			—
Prepaid expenses and other assets	29			25,976			4,606			—			30,611
Total current assets	79,207			245,477			31,553			—			356,237
Investments in unconsolidated affiliates	71,958			48,361			—			—			120,319
Investments in subsidiaries	84,303			44,323			—			(128,626		)	—
Property and equipment, net	—			59,434			19,064			—			78,498
Deferred tax asset, non-current	—			—			—			—			—
Goodwill	—			163,897			9,309			—			173,206
Intangible assets, net	2,147			15,183			2,460			—			19,790
Other assets, net	—			7,036			1,362			2			8,400
Total assets	$	237,615		$	583,711		$	63,748		$	(128,624	)	$	756,450
Current liabilities:
Accounts payable and other accrued expenses	$	13		$	50,871		$	6,516		$	—		$	57,400
Customer layaway deposits	—			5,711			465			—			6,176
Intercompany payables	(199,190		)	178,375			20,761			54			—
Income taxes payable	9,552			(5,150		)	(3,709		)	—			693
Total current liabilities	(189,625		)	229,807			24,033			54			64,269
Long-term debt, less current maturities	17,500			—			—			—			17,500
Deferred tax liability	5,940			1,563			828			—			8,331
Deferred gains and other long-term liabilities	—			2,102			—			—			2,102
Total liabilities	(166,185		)	233,472			24,861			54			92,202
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—			—			—			—			—
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	461			12			—			(2		)	471
Class B Voting Common Stock, convertible, par value $.01 per share;	30			(1		)	1			—			30
Additional paid-in capital	221,526			98,980			50,568			(128,676		)	242,398
Retained earnings	174,860			251,418			(4,183		)	—			422,095
Accumulated other comprehensive income (loss)	6,923			(170		)	(7,499		)	—			(746		)
EZCorp, Inc. stockholders’ equity	403,800			350,239			38,887			(128,678		)	664,248
Total liabilities and stockholders’ equity	$	237,615		$	583,711		$	63,748		$	(128,624	)	$	756,450

Condensed Consolidating Statements of Operations



	Three Months Ended June 30, 2012
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	102,008		$	15,924		$	—		$	117,932
Pawn service charges	—			49,979			6,184			—			56,163
Consumer loan fees	—			36,171			17,333			—			53,504
Other revenues	—			2,006			952			(1,593		)	1,365
Total revenues	—			190,164			40,393			(1,593		)	228,964
Cost of goods sold	—			62,198			10,255			—			72,453
Consumer loan bad debt	—			8,710			2,541			—			11,251
Net revenues	—			119,256			27,597			(1,593		)	145,260
Operating expenses:
Operations	—			62,612			13,097			—			75,709
Administrative	—			16,200			8,090			(1,593		)	22,697
Depreciation	—			4,660			1,555			—			6,215
Amortization	—			118			1,044			—			1,162
Loss on sale or disposal of assets	—			93			219			—			312
Total operating expenses	—			83,683			24,005			(1,593		)	106,095
Operating income	—			35,573			3,592			—			39,165
Interest income	—			(287		)	(117		)	271			(133		)
Interest expense	877			15			409			(271		)	1,030
Equity in net income of unconsolidated affiliates	(2,247		)	(1,950		)	—			—			(4,197		)
Other	—			500			(340		)	—			160
Income before income taxes	1,370			37,295			3,640			—			42,305
Income tax expense	10,938			2			1,654			—			12,594
Net income	(9,568		)	37,293			1,986			—			29,711
Net income attributable to redeemable noncontrolling interest	—			—			1,188			—			1,188
Net income attributable to EZCORP, Inc.	$	(9,568	)	$	37,293		$	798		$	—		$	28,523



	Three Months Ended June 30, 2011
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	104,342		$	11,003		$	—		$	115,345
Pawn service charges	—			43,846			4,519			—			48,365
Consumer loan fees	—			36,390			2,480			—			38,870
Other revenues	14,121			327			245			(14,121		)	572
Total revenues	14,121			184,905			18,247			(14,121		)	203,152
Cost of goods sold	—			61,677			7,451			—			69,128
Consumer loan bad debt	—			10,311			716			—			11,027
Net revenues	14,121			112,917			10,080			(14,121		)	122,997
Operating expenses:
Operations	—			58,869			7,884			—			66,753
Administrative	—			13,109			1,270			—			14,379
Depreciation	—			3,641			817			—			4,458
Amortization	—			93			128			—			221
Loss on sale or disposal of assets	—			157			12			—			169
Total operating expenses	—			75,869			10,111			—			85,980
Operating income	14,121			37,048			(31		)	(14,121		)	37,017
Interest income	5,008			(65		)	(1		)	(4,963		)	(21		)
Interest expense	(7,108		)	2,668			63			4,963			586
Equity in net income of unconsolidated affiliates	(2,365		)	(1,734		)	—			—			(4,099		)
Other	—			(107		)	4			—			(103		)
Income before income taxes	18,586			36,286			(97		)	(14,121		)	40,654
Income tax expense	13,877			14,127			244			(14,121		)	14,127
Net income	4,709			22,159			(341		)	—			26,527
Net income attributable to redeemable noncontrolling interest	—			—			—			—			—
Net income attributable to EZCORP, Inc.	$	4,709		$	22,159		$	(341	)	$	—		$	26,527



	Nine Months Ended June 30, 2012
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	364,326		$	45,075		$	—		$	409,401
Pawn service charges	—			154,854			17,545			—			172,399
Consumer loan fees	—			118,821			30,090			—			148,911
Other revenues	20,139			3,841			1,628			(22,204		)	3,404
Total revenues	20,139			641,842			94,338			(22,204		)	734,115
Cost of goods sold	—			217,709			26,754			—			244,463
Consumer loan bad debt	—			24,211			4,531			—			28,742
Net revenues	20,139			399,922			63,053			(22,204		)	460,910
Operating expenses:
Operations	—			192,880			34,599			—			227,479
Administrative	—			51,021			14,805			(2,065		)	63,761
Depreciation	—			13,027			3,778			—			16,805
Amortization	—			345			2,741			—			3,086
(Gain) loss on sale or disposal of assets	—			(129		)	267			—			138
Total operating expenses	—			257,144			56,190			(2,065		)	311,269
Operating income	20,139			142,778			6,863			(20,139		)	149,641
Interest income	(3,525		)	(672		)	(274		)	3,985			(486		)
Interest expense	2,133			3,542			2,490			(3,985		)	4,180
Equity in net income of unconsolidated affiliates	(6,725		)	(6,210		)	—			—			(12,935		)
Other	—			166			(323		)	—			(157		)
Income before income taxes	28,256			145,952			4,970			(20,139		)	159,039
Income tax expense	48,662			20,141			3,939			(20,139		)	52,603
Net income	(20,406		)	125,811			1,031			—			106,436
Net income attributable to redeemable noncontrolling interest	—			—			1,300			—			1,300
Net income attributable to EZCORP, Inc.	$	(20,406	)	$	125,811		$	(269	)	$	—		$	105,136



	Nine Months Ended June 30, 2011
	(Unaudited)
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	334,209		$	29,449		$	—		$	363,658
Pawn service charges	—			133,355			11,589			—			144,944
Consumer loan fees	—			119,600			6,052			—			125,652
Other revenues	46,658			681			297			(46,658		)	978
Total revenues	46,658			587,845			47,387			(46,658		)	635,232
Cost of goods sold	—			199,625			19,633			—			219,258
Consumer loan bad debt	—			25,875			1,920			—			27,795
Net revenues	46,658			362,345			25,834			(46,658		)	388,179
Operating expenses:
Operations	—			176,145			21,157			—			197,302
Administrative	—			52,827			3,423			—			56,250
Depreciation	—			10,462			2,208			—			12,670
Amortization	—			320			334			—			654
(Gain) loss on sale or disposal of assets	—			(132		)	130			—			(2		)
Total operating expenses	—			239,622			27,252			—			266,874
Operating income	46,658			122,723			(1,418		)	(46,658		)	121,305
Interest income	(15		)	(202		)	(1		)	183			(35		)
Interest expense	(6,511		)	7,691			189			(183		)	1,186
Equity in net income of unconsolidated affiliates	(6,797		)	(5,360		)	—			—			(12,157		)
Other	—			(168		)	8			—			(160		)
Income before income taxes	59,981			120,762			(1,614		)	(46,658		)	132,471
Income tax expense	46,108			46,677			550			(46,658		)	46,677
Net income	13,873			74,085			(2,164		)	—			85,794
Net income attributable to redeemable noncontrolling interest	—			—			—			—			—
Net income attributable to EZCORP, Inc.	$	13,873		$	74,085		$	(2,164	)	$	—		$	85,794

Condensed Consolidating Statement of Comprehensive Income



	Three Months Ended
	June 30, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
	(In thousands)
Net income (loss)	$	(9,568	)	$	37,293		$	1,986		$	29,711
Other comprehensive income (loss):
Foreign currency translation gain (loss)	1,578			1,235			(11,326		)	(8,513		)
Unrealized holding loss arising during period	—			(108		)	—			(108		)
Income tax benefit (provision)	(553		)	(395		)	—			(948		)
Other comprehensive income (loss), net of tax	1,025			732			(11,326		)	(9,569		)
Comprehensive income (loss)	$	(8,543	)	$	38,025		$	(9,340	)	$	20,142
Attributable to redeemable noncontrolling interest:
Net income	—			—			1,188			1,188
Foreign currency translation gain (loss)	—			—			(2,789		)	(2,789		)
Comprehensive income (loss)	—			—			(1,601		)	(1,601		)
Comprehensive income (loss) attributable to EZCORP, Inc.	$	(8,543	)	$	38,025		$	(7,739	)	$	21,743



	Three Months Ended
	June 30, 2011
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
	(In thousands)
Net income (loss)	$	4,709		$	22,159		$	(341	)	$	26,527
Other comprehensive income (loss):
Foreign currency translation gain (loss)	1,045			1,063			337			2,445
Unrealized holding loss arising during period	—			748			—			748
Income tax provision	(366		)	(634		)	—			(1,000		)
Other comprehensive income (loss), net of tax	679			1,177			337			2,193
Comprehensive income (loss)	$	5,388		$	23,336		$	(4	)	$	28,720
Attributable to redeemable noncontrolling interest:
Net income	—			—			—			—
Foreign currency translation gain (loss)	—			—			—			—
Comprehensive income	—			—			—			—
Comprehensive income (loss) attributable to EZCORP, Inc.	$	5,388		$	23,336		$	(4	)	$	28,720



	Nine Months Ended
	June 30, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
	(In thousands)
Net income (loss)	$	(20,406	)	$	125,811		$	1,031		$	106,436
Other comprehensive income (loss):
Foreign currency translation adjustments	(3,551		)	(102		)	(7,234		)	(10,887		)
Unrealized holding loss arising during period	—			(846		)	—			(846		)
Income tax benefit	1,242			321			—			1,563
Other comprehensive income (loss), net of tax	(2,309		)	(627		)	(7,234		)	(10,170		)
Comprehensive income (loss)	$	(22,715	)	$	125,184		$	(6,203	)	$	96,266
Attributable to redeemable noncontrolling interest:
Net income	—			—			1,300			1,300
Foreign currency translation adjustments	—			—			(2,293		)	(2,293		)
Comprehensive income	—			—			(993		)	(993		)
Comprehensive income (loss) attributable to EZCORP, Inc.	$	(22,715	)	$	125,184		$	(5,210	)	$	97,259



	Nine Months Ended
	June 30, 2011
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
	(In thousands)
Net Income (loss)	$	13,873		$	74,085		$	(2,164	)	$	85,794
Other comprehensive income (loss):
Foreign currency translation adjustments	11,354			1,736			2,243			15,333
Unrealized holding gains arising during period	—			986			—			986
Income tax provision	(3,974		)	(953		)	—			(4,927		)
Other comprehensive income, net of tax	7,380			1,769			2,243			11,392
Comprehensive income	$	21,253		$	75,854		$	79		$	97,186
Attributable to redeemable noncontrolling interest:
Net income	—			—			—			—
Foreign currency translation adjustments	—			—			—			—
Comprehensive income	—			—			—			—
Comprehensive income attributable to EZCORP, Inc.	$	21,253		$	75,854		$	79		$	97,186

Condensed Consolidating Statement of Cash Flows



	Nine Months Ended June 30, 2012
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
Operating Activities:
Net income (loss)	$	(20,406	)	$	125,811		$	1,031		$	106,436
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	—			13,372			6,519			19,891
Consumer loan loss provisions	—			7,609			4,527			12,136
Deferred income taxes	563			(379		)	(828		)	(644		)
Net (gain) loss on sale or disposal of assets	—			(129		)	267			138
Stock compensation	—			5,191			—			5,191
Income from investments in unconsolidated affiliates	(6,725		)	(6,210		)	—			(12,935		)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net	—			2,651			(1,501		)	1,150
Inventory, net	—			761			(1,635		)	(874		)
Prepaid expenses, other current assets, and other assets, net	(13		)	(11,377		)	6,545			(4,845		)
Accounts payable and accrued expenses	(65,383		)	(48,709		)	101,992			(12,100		)
Customer layaway deposits	—			(582		)	400			(182		)
Deferred gains and other long-term liabilities	—			650			72			722
Excess tax benefit from stock compensation	(1,582		)	—			—			(1,582		)
Income taxes receivable/payable	(6,249		)	(3,102		)	981			(8,370		)
Net cash provided by (used in) operating activities	$	(99,795	)	$	85,557		$	118,370		$	104,132
Investing Activities:
Loans made	—			(461,023		)	(110,660		)	(571,683		)
Loans repaid	—			304,028			78,826			382,854
Recovery of pawn loan principal through sale of forfeited collateral	—			159,913			19,768			179,681
Additions to property and equipment	—			(21,427		)	(11,766		)	(33,193		)
Acquisitions, net of cash acquired	—			(62,504		)	(62,745		)	(125,249		)
Dividends from unconsolidated affiliates	2,222			3,338			—			5,560
Net cash provided by (used in) investing activities	$	2,222		$	(77,675	)	$	(86,577	)	$	(162,030	)
Financing Activities:
Proceeds from exercise of stock options	647			—			—			647
Excess tax benefit from stock compensation	1,582			—			—			1,582
Taxes paid related to net share settlement of equity awards	(1,153		)	—			—			(1,153		)
Change in restricted cash	—			—			(1,085		)	(1,085		)
Proceeds from revolving line of credit	590,700			—			4,109			594,809
Payments on revolving line of credit	(493,500		)	—			(9,075		)	(502,575		)
Proceeds from bank borrowings	—			—			343			343
Payments on bank borrowings and capital lease obligations	—			(68		)	(8,096		)	(8,164		)
Net cash provided by (used in) financing activities	$	98,276		$	(68	)	$	(13,804	)	$	84,404
Effect of exchange rate changes on cash and cash equivalents	—			—			299			299
Net increase in cash and cash equivalents	703			7,814			18,288			26,805
Cash and cash equivalents at beginning of period	—			20,860			3,109			23,969
Cash and cash equivalents at end of period	$	703		$	28,674		$	21,397		$	50,774



	Nine Months Ended June 30, 2011
	(In thousands)
	Parent			Subsidiary Guarantors			Other Subsidiaries			Consolidated
Operating Activities:
Net income	$	13,873		$	74,085		$	(2,164	)	85,794
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	—			10,782			2,542			13,324
Consumer loan loss provisions	—			9,296			1,959			11,255
Deferred income taxes	8,341			241			(11		)	8,571
Net (gain) loss on sale or disposal of assets	—			(132		)	130			(2		)
Stock compensation	—			11,536			—			11,536
Income from investments in unconsolidated affiliates	(6,797		)	(5,360		)	—			(12,157		)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net	—			(545		)	(439		)	(984		)
Inventory, net	—			(292		)	(914		)	(1,206		)
Prepaid expenses, other current assets, and other assets, net	(2,115		)	713			(3,443		)	(4,845		)
Accounts payable and accrued expenses	(12,558		)	(4,157		)	19,783			3,068
Customer layaway deposits	—			(404		)	242			(162		)
Deferred gains and other long-term liabilities	(446		)	107			64			(275		)
Excess tax benefit from stock compensation	(3,166		)	—			—			(3,166		)
Income taxes receivable/payable	1,100			(3,195		)	(1,358		)	(3,453		)
Net cash provided by (used in) operating activities	$	(1,768	)	$	92,675		$	16,391		$	107,298
Investing Activities:
Loans made	—			(397,416		)	(68,721		)	(466,137		)
Loans repaid	—			251,111			45,905			297,016
Recovery of pawn loan principal through sale of forfeited collateral	—			134,668			15,286			149,954
Additions to property and equipment	—			(17,457		)	(6,867		)	(24,324		)
Acquisitions, net of cash acquired	—			(64,823		)	—			(64,823		)
Dividends from unconsolidated affiliates	4,116			3,158			—			7,274
Net cash provided by (used in) investing activities	$	4,116		$	(90,759	)	$	(14,397	)	$	(101,040	)
Financing Activities:
Proceeds from exercise of stock options	395			—			—			395
Excess tax benefit from stock compensation	3,166			—			—			3,166
Debt issuance cost	—			(2,397		)	—			(2,397		)
Taxes paid related to net share settlement of equity awards	(7,409		)	—			—			(7,409		)
Proceeds on revolving line of credit	70,000			—			—			70,000
Payments on revolving line of credit	(43,500		)	—			—			(43,500		)
Payments on bank borrowings	(25,000		)	(4		)	—			(25,004		)
Net cash used in financing activities	$	(2,348	)	$	(2,401	)	$	—		$	(4,749	)
Effect of exchange rate changes on cash and cash equivalents	—			—			129			129
Net (decrease) increase in cash and cash equivalents	—			(485		)	2,123			1,638
Cash and cash equivalents at beginning of period	—			23,862			1,992			25,854
Cash and cash equivalents at end of period	$	—		$	23,377		$	4,115		$	27,492