<SUBMISSION>
<ACCESSION-NUMBER>0000950134-03-015992
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20031202
<ITEMS>7
<ITEMS>9
<FILING-DATE>20031203
<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>031033806
</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>d11021e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<TITLE>e8vk</TITLE>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><HR size="1" noshade width="100%">
<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="3"><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>December&nbsp;2, 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>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">

<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2"><B>Texas</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<B>0-20774</B>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2"><B>75-2142963</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">(State or other jurisdiction of</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
(Commission file number)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">(I.R.S. employer</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">incorporation)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">identification no.)</FONT></TD>
</TR>
</TABLE>
</DIV>

<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 align="center"><HR size="1" noshade width="100%">
<P align="center"><FONT size="2">&nbsp;
</FONT>
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<!-- 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">
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</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.</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="d11021exv99w1.htm">EX-99.1 Press Release</A></TD></TR>
</TABLE>
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<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>
<DIV align="left"><A name="a000"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;7. Financial Statements and Exhibits.</B>
</FONT>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(c)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Exhibits.
</FONT></TD>
</TR>
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<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Exhibit&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Press release dated December&nbsp;2, 2003.
</FONT></TD>
</TR>
</TABLE>
<!-- link2 "Item&nbsp;9. Regulation&nbsp;FD Disclosure." -->
<DIV align="left"><A NAME="001"></A></DIV>
<DIV align="left"><A name="a001"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;9. Regulation&nbsp;FD Disclosure.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On December&nbsp;2, 2003, Ace Cash Express, Inc. issued a press release
announcing its Chief Executive Officer succession plan. 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>
<DIV align="left"><A name="a002"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P align="left" style="margin-left:0%; margin-right:0%"><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>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

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    <TD width="50%">&nbsp;</TD>
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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="5" valign="top" align="left"><FONT size="2"><B>ACE CASH EXPRESS, INC.</B></FONT></TD>
</TR>
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    <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>
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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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    <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>
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    <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>
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</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dated: December&nbsp;2, 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/ WILLIAM S. MCCALMONT</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</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"><HR size="1" noshade></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">&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">William S. McCalmont</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">&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">Executive Vice President and CFO</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">&nbsp;
</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>
<DIV align="left"><A name="a003"></A></DIV>
<P align="center"><FONT size="2"><B>EXHIBIT INDEX</B>
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="85%">

<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
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    <TD width="35%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Exhibit No.</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="left"><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>
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<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 December&nbsp;2, 2003.</FONT></TD>
</TR>
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</DIV>



<P align="center"><FONT size="2">&nbsp;
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<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>d11021exv99w1.htm
<DESCRIPTION>EX-99.1 PRESS RELEASE
<TEXT>
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<P align="right"><FONT size="2"><B>Exhibit&nbsp;99.1</B>
</FONT>

<P align="left"><FONT size="2"><B>FOR IMMEDIATE RELEASE</B>
</FONT>
<P align="left"><FONT size="2"><B>Contacts:</B>
</FONT>
<p align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="35%"></TD>
    <TD width="35%"></TD>
    <TD width="30%"></TD>
</TR>
<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2">William S. McCalmont 972/753-2314</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="LEFT" valign="top"><FONT size="2">
Darla Ashby 972/550-5037</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2">Executive Vice President &#038; CFO</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="LEFT" valign="top"><FONT size="2">
Director, Public Affairs</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2">wmccalmont@acecashexpress.com</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="LEFT" valign="top"><FONT size="2">
dashby@acecashexpress.com</FONT></TD>
</TR>
</TABLE>


<P align="center"><FONT size="2"><B>ACE CASH EXPRESS ANNOUNCES CEO SUCCESSION PLAN<BR>
Donald Neustadt to Continue as a Board Member<BR>
Jay Shipowitz to Become Chief Executive Officer</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DALLAS (December&nbsp;2, 2003)&#151;ACE Cash Express, Inc. (NASDAQ:AACE) today
announced that Jay B. Shipowitz, the Company&#146;s current President and Chief
Operating Officer, will be appointed Chief Executive Officer on June&nbsp;30, 2004
when Donald H. Neustadt steps down as the current CEO. Under the succession
plan, Mr.&nbsp;Neustadt will continue to serve on ACE&#146;s Board of Directors.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;I believe this is the right time to announce ACE&#146;s succession plan; we
have never been in a stronger position. My 10&nbsp;years as CEO have been both a
challenging and rewarding experience,&#148; said Donald H. Neustadt. &#147;I want to
continue to make a contribution but in a different role. Jay has made
significant contributions to our growth. He is an innovator and an executive
who can consistently deliver outstanding results. Under his leadership I know
the management team will achieve continued success.&#148;
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;I am very pleased that Don will continue to be involved with ACE as a
board member. I know that I will be able to rely on his considerable experience
and talents and continue our great working relationship,&#148; said Jay B.
Shipowitz. &#147;We have solid financing, strong systems, a proven operations model
and a talented management team that is committed to grow our business and
increase shareholder value.&#148;
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Neustadt has served as the Chief Executive Officer of the Company
since November&nbsp;1994 and as a Director of the Company since January&nbsp;1987. Mr.
Neustadt served as the Company&#146;s President from November&nbsp;1994 to December&nbsp;1999 and
as the Company&#146;s President and Chief Operating Officer from January&nbsp;1987 to
November&nbsp;1994.
</FONT>
<P align="center"><FONT size="2">&nbsp;
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Shipowitz has served as the President and Chief Operating Officer and
as a Director of the Company since January&nbsp;2000 and as the Company&#146;s Senior
Vice President and Chief Financial Officer from May&nbsp;1997 to January&nbsp;2000. Mr.
Shipowitz is a Director and member of the Executive Committee of Financial
Service Centers of America, the industry trade association.
</FONT>
<P align="left"><FONT size="2"><B>Forward-looking Statements</B>
</FONT>
<P align="left"><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;target,&#148; &#147;goal,&#148; &#147;should,&#148; &#147;would,&#148;
and terms with similar meanings.
</FONT>
<P align="left"><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.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Those risks, uncertainties, and factors include, but are not limited to,
matters described in ACE&#146;s reports filed with the Securities and Exchange
Commission, such as:
</FONT>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Competition within the check-cashing industry as well
as from banks, saving and loans, short-term consumer lenders,
and other similar financial services entities and from other
retail businesses that offer products and services offered by
ACE;
</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">&nbsp;
</FONT>
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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Maintenance of relationships with providers of
financing for ACE and with key providers of products and
services either offered by ACE to its customers or used by ACE
in its business;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Changes in laws, regulations or accounting standards
and decisions or actions taken by courts, regulators and
governmental authorities;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Availability of financing, suitable locations,
acquisition opportunities and experienced management to
implement ACE&#146;s growth strategy;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Increases in interest rates, which would increase
ACE&#146;s borrowing costs;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Lawsuits and regulatory proceedings and their
respective results, including settlements.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><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 align="left"><FONT size="2"><B>About the Company</B>
</FONT>
<P align="left"><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 had a total network of 1,174 stores,
consisting of 968 company-owned stores and 206 franchised stores in 36 states
and the District of Columbia as of September&nbsp;30, 2003. ACE also operates
self-service machines, which provide check-cashing or other financial services
without the need for a service associate, at 20 company-owned store locations,
22 third-party bill-payment locations, and, during the tax season, ACE plans to
place approximately 220 machines at H&#038;R Block retail offices. ACE offers a
broad range of check-cashing and other consumer financial services. ACE is one
of the largest providers of MoneyGram wire transfer transactions, and it 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>


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