<SUBMISSION>
<ACCESSION-NUMBER>0000950134-03-010248
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20030717
<ITEMS>7
<ITEMS>9
<FILING-DATE>20030718
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ACE CASH EXPRESS INC/TX
<CIK>0000849116
<ASSIGNED-SIC>6099
<IRS-NUMBER>752142963
<STATE-OF-INCORPORATION>TX
<FISCAL-YEAR-END>0630
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-20774
<FILM-NUMBER>03792639
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1231 GREENWAY DR STE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
<PHONE>2145505000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1231 GREENWAY DR #800
<CITY>IRVING
<STATE>TX
<ZIP>75038
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>ACE CASH EXPRESS INC
<DATE-CHANGED>19921016
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d07532e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>e8vk</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<HR size="4" noshade color="#000000" style="margin-top: -5px">
<HR size="1" noshade color="#000000" style="margin-top: -10px">




<P align="center"><FONT size="4"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT>

<DIV align="center"><FONT size="3">Washington, D.C. 20549</FONT></DIV>

<P align="center"><FONT size="5"><B>FORM 8-K</B></FONT>

<P align="center"><FONT size="2"><B>CURRENT REPORT</B><BR>
Pursuant to Section&nbsp;13 or 15(d) of the Securities<BR>
Exchange Act of 1934
</FONT>
<P align="center"><FONT size="2"><B>July&nbsp;17, 2003</B><BR>
(Date of earliest event reported)
</FONT>
<P align="center"><FONT size="6"><B>ACE CASH EXPRESS, INC.</B></FONT>

<DIV align="center"><FONT size="2">(Exact name of registrant as specified in its charter)</FONT></DIV>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="34%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="28%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="28%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2"><B>Texas</B><BR>
(State or other jurisdiction of<BR>
incorporation)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<B>0-20774</B><BR>
(Commission file number)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2"><B>75-2142963</B><BR>
(I.R.S. employer<BR>
identification no.)</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2"><B>1231 Greenway Drive, Suite&nbsp;600<BR>
Irving, Texas 75038</B><BR>
(Address of principal executive offices)
</FONT>
<P align="center"><FONT size="2"><B>(972)&nbsp;550-5000</B><BR>
(Registrant&#146;s telephone number,<BR>
including area code)
</FONT>
<P align="center"><FONT size="2"><B>Not Applicable</B><BR>
(Former Name or Former Address,<BR>
if Changed Since Last Report)
</FONT>
<P>
<HR size="1" noshade color="#000000" style="margin-top: -2px">
<HR size="4" noshade color="#000000" style="margin-top: -10px">






<P align="center"><FONT size="2">&nbsp;</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD></TD><TD colspan="8"><A HREF="#000">Item&nbsp;7. Financial Statements and Exhibits</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">Item&nbsp;9. Regulation&nbsp;FD Disclosure (Information provided pursuant to Item&nbsp;12, &#147;Results of Operations and Financial Condition&#148; in accordance with SEC Release No.&nbsp;34-47583).</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="d07532exv99w1.htm">EX-99.1 Press Release</A></TD></TR>
</TABLE>
</CENTER>
<!-- /TOC -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>




<!-- link2 "Item&nbsp;7. Financial Statements and Exhibits" -->
<DIV align="left"><A NAME="000"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;7. Financial Statements and Exhibits</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="80%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">(c)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Exhibits.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Exhibit&nbsp;99.1
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Press release dated July&nbsp;17, 2003.</FONT></TD>
</TR>
</TABLE>
</CENTER>
<!-- link2 "Item&nbsp;9. Regulation&nbsp;FD Disclosure (Information provided pursuant to Item&nbsp;12, &#147;Results of Operations and Financial Condition&#148; in accordance with SEC Release No.&nbsp;34-47583)." -->
<DIV align="left"><A NAME="001"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;9. Regulation&nbsp;FD Disclosure (Information provided pursuant to Item&nbsp;12,
&#147;Results of Operations and Financial Condition&#148; in accordance with SEC Release
No.&nbsp;34-47583).</B>
</FONT>

<P><FONT size="2">On July&nbsp;17, 2003, Ace Cash Express, Inc. issued a press release announcing that
it has:
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">&#149;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">revised its forecast of earnings for its fiscal year ended June&nbsp;30, 2003; and</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">&#149;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">entered into an agreement to settle its lawsuit against two insurers regarding coverage of claims against it in various
lawsuits regarding the former offering of Goleta National Bank short-term loans at its stores.</FONT></TD>
</TR>
</TABLE>
<P><FONT size="2">A copy of the press release is Exhibit&nbsp;99.1 to this report.
</FONT>
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="002"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P><FONT size="2">Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2"><B>ACE CASH EXPRESS, INC</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dated:</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
July&nbsp;18, 2003
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ MICHAEL J. BRISKEY</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Michael J. Briskey<br>
Vice President of Finance and<br>
Interim Chief Financial Officer</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">2</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>



<!-- link1 "EXHIBIT INDEX" -->
<DIV align="left"><A NAME="003"></A></DIV>
<P align="center"><FONT size="2"><B>EXHIBIT INDEX</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="70%">
<TR valign="bottom">
    <TD width="11%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="76%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Exhibit No.</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">99.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Press release dated July&nbsp;17, 2003.</FONT></TD>
</TR>
</TABLE>
</CENTER>

<P align="center"><FONT size="2">3</FONT>



</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>d07532exv99w1.htm
<DESCRIPTION>EX-99.1 PRESS RELEASE
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="right"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Exhibit&nbsp;99.1
</FONT>
<P align="left"><FONT size="2"><B>FOR IMMEDIATE RELEASE</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="39%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="39%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B><I>Contacts:</I></B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Michael Briskey, 972/753-2342<BR></B>
<I>Interim Chief Financial Officer<BR></I>
mbriskey@acecashexpress.com
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2"><B>Darla Ashby, 972/550-5037 <BR></B>
<I>Director of Public Affairs<BR></I>
dashby@acecashexpress.com</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2"><B>ACE CASH EXPRESS INCREASES ESTIMATE OF YEAR-END EARNINGS<BR>
Fourth-Quarter Revenues and Operational Improvements Exceed Forecast<BR>
Settlement with Insurers Expected to Yield $4.7 Million Recovery</B>
</FONT>

<P><FONT size="2">DALLAS (July&nbsp;17, 2003) &#151; ACE Cash Express, Inc. (NASDAQ:AACE), announced today
that it expects diluted earnings per share of $1.23 to $1.25 for its fiscal
year ended June&nbsp;30, 2003 versus diluted earnings per share of $1.00 in fiscal
2002. The revised estimates were raised from its most recent forecast of 90
cents to 92 cents, announced on May&nbsp;12, 2003. The Company believes that the
increase will result from greater than expected revenues and improved
operations in the fourth quarter, and ACE expects to receive $4.7&nbsp;million under
an agreement to settle the Company&#146;s lawsuit against two insurers for coverage
of claims against the Company.
</FONT>
<P><FONT size="2">&#147;Americans have increasingly turned to ACE&#146;s retail financial service stores
for convenience and quality customer service without the hidden costs they may
face at other financial institutions. During the quarter, we expect to achieve
a same store sales increase of 4.4&nbsp;percent in our core check cashing business,&#148;
said Jay B. Shipowitz, president and chief operating officer of ACE. &#147;Overall,
we had a solid 2003 fiscal year, with an expected increase in earnings per
share between 23 and 25&nbsp;percent over the earnings per share for the last fiscal
year.&#148;
</FONT>
<P><FONT size="2">Since May 2002, the Company has been pursuing a lawsuit in a Texas state court
against two insurers, regarding liability coverage it obtained for claims made
against the Company in the various GNB-loan-related lawsuits. On July&nbsp;16,
2003, the Company and the insurers agreed, through counsel, to a settlement of
the lawsuit under which the insurers will pay the Company a total of $4.7
million. The settlement contemplates and is subject to the preparation and
execution of formal settlement documents, including mutual releases. Under the
current agreement, the insurers have already paid $1.5&nbsp;million to the Company,
and the Company expects to receive the remaining $3.2&nbsp;million in its first
quarter of fiscal 2004 upon the execution of the formal settlement documents.
</FONT>
<P align="center"><FONT size="2">&nbsp;</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P><FONT size="2">Donald H. Neustadt, chief executive officer, said, &#147;We are pleased with the
insurance settlement and believe it is important to continue to put matters
related to the previous loan product behind us. This settlement will largely
offset the $5&nbsp;million reserve established for the Company&#146;s expected payments
under the <I>Purdie </I>settlement established in the third fiscal quarter of 2003.
As a whole, I think the insurance settlement is fair for ACE, and we can now
focus our energy on growth and store operations.&#148;
</FONT>
<P><FONT size="2">The Company expects to release complete fourth-quarter and year-end financial
results for fiscal 2003 on August&nbsp;28, 2003 and to conduct a conference call to
discuss the results at 3:00 PM CDT on that day. Information on the conference
call and the concurrent web cast will be available during the week of August
25, 2003.
</FONT>
<P><FONT size="2"><B>Forward-looking Statements</B>
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This release contains certain &#147;forward-looking statements&#148; within the
meaning of Section&nbsp;27A of the Securities Act of 1933, as amended, and Section
21E of the Securities Exchange Act of 1934, as amended. These statements are
generally identified by the use of words such as &#147;expect,&#148; &#147;anticipate,&#148;
&#147;estimate,&#148; &#147;believe,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;should,&#148; &#147;would,&#148; and terms with
similar meanings.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Although ACE believes that the current views and expectations reflected in
these forward-looking statements are reasonable, those views and expectations,
and the related statements, are based on the assumptions of ACE&#146;s management
and are inherently subject to risks, uncertainties, and other factors, many of
which are not under ACE&#146;s control and may not even be predictable. Any
inaccuracy in the assumptions, as well as those risks, uncertainties, and other
factors, could cause the actual results to differ materially from those
projected in the forward-looking statements. Those risks, uncertainties, and
factors include, but are not limited to: the matters described in ACE&#146;s Annual
Report on Form&nbsp;10-K for its fiscal year ended June&nbsp;30, 2002, and its other
public filings; the possibility that settlements of lawsuits will not be
approved by courts or will not be implemented; ACE&#146;s relationships with
Travelers Express Company, Inc. and its affiliates, with H&#038;R Block, with
American Capital Strategies, Ltd. and with ACE&#146;s bank lenders; ACE&#146;s
relationships with third-party providers of products and services offered by
ACE or property used in ACE&#146;s operations; federal and state governmental
</FONT>
<P align="center"><FONT size="2">&nbsp;</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P><FONT size="2"> regulation of check-cashing, short-term consumer lending, and related
financial services businesses; the results of litigation regarding short-term
consumer lending activities; theft and employee errors; the availability of
adequate financing, suitable locations, acquisition opportunities and
experienced management employees to implement the ACE&#146;s growth strategy;
increases in interest rates, which would increase ACE&#146;s borrowing costs; the
fragmentation of the check-cashing industry and competition from various other
sources, such as banks, savings and loans, short-term consumer lenders, and
other similar financial services entities, as well as retail businesses that
offer products and services offered by ACE; the terms and performance of
third-party products and services offered at ACE locations; and customer demand
and response to products and services offered at ACE locations.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ACE does not assume, but expressly disclaims, any obligation to update or
revise any of these forward-looking statements, whether because of future
events, new information, a change in ACE&#146;s views or expectations, or otherwise.
ACE makes no prediction or statement about the performance of ACE&#146;s Common
Stock.
</FONT>
<P><FONT size="2"><B>About ACE Cash Express, Inc.</B>
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ACE Cash Express, Inc. is headquartered in Irving, Texas and is the
largest owner, operator and franchiser of check-cashing stores in the United
States. Founded in 1968, the Company has a total network of 1,170 stores,
consisting of 974 company-owned stores and 196 franchised stores in 35 states
and the District of Columbia. ACE also maintains automatic check-cashing
machines, which provide financial services without the need for a service
associate, at 22 company-owned store locations and, during the tax season, at
more than 240 H&#038;R Block retail offices. ACE offers a broad range of
check-cashing and other consumer financial services and is one of the largest
providers of MoneyGram wire transfer transactions. In addition, ACE offers
money orders, bill payment services, and prepaid local and long distance
telecommunication services. Small, short-term consumer loans are also available
to customers at various ACE company-owned stores. The Company&#146;s website is
found at www.acecashexpress.com.
</FONT>
<P align="center"><FONT size="2">####
</FONT>

<P align="center"><FONT size="2">&nbsp;</FONT>



</BODY>
</HTML>

</TEXT>
</DOCUMENT>
</SUBMISSION>
