NOTE 15: 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 wholly-owned domestic subsidiaries will fully and unconditionally guarantee on a joint and several basis our payment obligations under such debt securities issued by the parent.

In accordance with Rule 3-10(f) of Regulation S-X, the following presents condensed consolidating financial information as of March 31, 2013 and 2012 and for the current and prior three and six month periods then ended and as of September 30, 2012 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 consolidate the groups of entities. Subsequent to the issuance of our consolidated financial statements for the year ended September 30, 2012, we identified certain errors in the presentation of the consolidating financial statements contained in this footnote as of September 30, 2012, March 31, 2012 and for the three and six months ended March 31, 2012. The condensed consolidating financial information presented on the following pages has been corrected for these errors. These adjustments did not have an impact on the consolidated financial statements as of September 30, 2012, March 31, 2012, or for the three and six months ended March 31, 2012.

Condensed Consolidating Balance Sheets



	March 31, 2013
	Parent		Subsidiary Guarantors			Other Subsidiaries		Eliminations			Consolidated
	(in thousands)
Assets:
Current assets:
Cash and cash equivalents	$	703	$	21,521		$	19,219	$	—		$	41,443
Restricted cash	—		—			1,204		—			1,204
Pawn loans	—		119,681			18,699		—			138,380
Consumer loans, net	—		14,912			21,684		—			36,596
Pawn service charges receivable, net	—		22,475			2,913		—			25,388
Consumer loan fees receivable, net	—		5,899			27,608		—			33,507
Inventory, net	—		93,760			22,757		—			116,517
Deferred tax asset	9,484		6,232			—		—			15,716
Intercompany receivables	351,557		96,938			—		(448,495		)	—
Income tax receivable	3,028		51			—		—			3,079
Prepaid expenses and other assets	4		35,823			6,594		—			42,421
Total current assets	364,776		417,292			120,678		(448,495		)	454,251
Investments in unconsolidated affiliates	94,179		53,053			—		—			147,232
Investments in subsidiaries	675,350		99,942			—		(775,292		)	—
Property and equipment, net	—		80,143			38,836		—			118,979
Restricted cash, non-current	—		—			2,197		—			2,197
Goodwill	—		277,307			154,817		—			432,124
Intangible assets, net	1,248		34,999			25,240		—			61,487
Non-current consumer loans, net	—		—			77,414		—			77,414
Other assets, net	—		8,561			12,162		—			20,723
Total assets	$	1,135,553	$	971,297		$	431,344	$	(1,223,787	)	$	1,314,407
Liabilities and stockholders’ equity:
Current liabilities:
Current maturities of long-term debt	$	—	$	—		$	34,912	$	—		$	34,912
Current capital lease obligations	—		533			—		—			533
Accounts payable and other accrued expenses	57		49,143			14,098		—			63,298
Other current liabilities	12,000		425			23,671		—			36,096
Customer layaway deposits	—		7,107			1,084		—			8,191
Intercompany payables	73,327		245,909			114,672		(433,908		)	—
Total current liabilities	85,384		303,117			188,437		(433,908		)	143,030
Long-term debt, less current maturities	74,000		—			77,963		(14,587		)	137,376
Long-term capital lease obligations	—		648			—		—			648
Deferred tax liability	8,982		1,122			—		—			10,104
Deferred gains and other long-term liabilities	12,000		2,233			847		—			15,080
Total liabilities	180,366		307,120			267,247		(448,495		)	306,238
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—		—			52,982		—			52,982
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	508		12			—		(12		)	508
Class B Voting Common Stock, convertible, par value $.01 per share;	30		—			1		(1		)	30
Additional paid-in capital	315,092		155,527			103,763		(259,290		)	315,092
Retained earnings	630,501		509,249			6,334		(515,583		)	630,501
Accumulated other comprehensive income (loss)	9,056		(611		)	1,017		(406		)	9,056
EZCORP, Inc. stockholders' equity	955,187		664,177			111,115		(775,292		)	955,187
Total liabilities and stockholders’ equity	$	1,135,553	$	971,297		$	431,344	$	(1,223,787	)	$	1,314,407



	March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Assets:
Current assets:
Cash and cash equivalents	$	703		$	29,020		$	16,951		$	—		$	46,674
Restricted cash	—			—			930			—			930
Pawn loans	—			108,804			13,501			—			122,305
Consumer loans, net	—			11,910			12,365			—			24,275
Pawn service charges receivable, net	—			20,210			2,086			—			22,296
Consumer loan fees receivable, net	—			5,523			19,028			—			24,551
Inventory, net	—			75,815			12,019			—			87,834
Deferred tax asset	12,298			5,478			452			—			18,228
Intercompany receivables	286,603			83,648			—			(370,251		)	—
Income tax receivable	2,351			—			—			—			2,351
Prepaid expenses and other assets	4			29,440			5,030			—			34,474
Total current assets	301,959			369,848			82,362			(370,251		)	383,918
Investments in unconsolidated affiliates	70,881			49,175			—			—			120,056
Investments in subsidiaries	465,383			89,574			—			(554,957		)	—
Property and equipment, net	—			66,331			28,713			—			95,044
Goodwill	42			213,824			110,415			—			324,281
Intangible assets, net	1,848			16,028			20,928			—			38,804
Non-current consumer loans, net	—			—			56,632			—			56,632
Other assets, net	—			6,821			1,971			—			8,792
Total assets	$	840,113		$	811,601		$	301,021		$	(925,208	)	$	1,027,527
Liabilities and stockholders’ equity:
Current liabilities:
Current maturities of long-term debt	—			—			22,849			—			22,849
Accounts payable and other accrued expenses	46			45,443			12,621			—			58,110
Other current liabilities	—			5,123			11,600			—			16,723
Customer layaway deposits	—			6,551			642			—			7,193
Intercompany payables	47,389			282,342			30,251			(359,982		)	—
Total current liabilities	47,435			339,459			77,963			(359,982		)	104,875
Long-term debt, less current maturities	30,000			—			88,353			(10,269		)	108,084
Deferred tax liability	6,960			1,304			191			—			8,455
Deferred gains and other long-term liabilities	—			1,989			11,498			—			13,487
Total liabilities	84,395			342,752			178,005			(370,251		)	234,901
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—			—			36,908			—			36,908
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	480			12			—			(12		)	480
Class B Voting Common Stock, convertible, par value $.01 per share;	30			—			1			(1		)	30
Additional paid-in capital	258,343			129,871			95,820			(225,691		)	258,343
Retained earnings	498,708			340,494			(5,808		)	(334,686		)	498,708
Accumulated other comprehensive income (loss)	(1,843		)	(1,528		)	(3,905		)	5,433			(1,843		)
EZCORP, Inc. stockholders' equity	755,718			468,849			86,108			(554,957		)	755,718
Total liabilities and stockholders’ equity	$	840,113		$	811,601		$	301,021		$	(925,208	)	$	1,027,527



	September 30, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Assets:
Current assets:
Cash and cash equivalents	$	703		$	27,686		$	20,088		$	—		$	48,477
Restricted cash	—			—			1,145			—			1,145
Pawn loans	—			140,885			16,763			—			157,648
Consumer loans, net	—			16,562			17,590			—			34,152
Pawn service charges receivable, net	—			26,663			2,738			—			29,401
Consumer loan fees receivable, net	—			6,899			23,517			—			30,416
Inventory, net	—			93,165			16,049			—			109,214
Deferred tax asset	9,484			5,500			—			—			14,984
Intercompany receivables	363,065			—			—			(363,065		)	—
Income taxes receivable	10,209			—			302			—			10,511
Prepaid expenses and other assets	2,243			38,629			4,579			—			45,451
Total current assets	385,704			355,989			102,771			(363,065		)	481,399
Investments in unconsolidated affiliates	74,254			51,812			—			—			126,066
Investments in subsidiaries	510,045			95,942			—			(605,987		)	—
Property and equipment, net	—			74,837			33,294			—			108,131
Restricted cash, non-current	—			—			4,337			—			4,337
Goodwill	—			224,275			150,388			—			374,663
Intangible assets, net	1,548			17,228			26,409			—			45,185
Non-current consumer loans, net	—			—			61,997			—			61,997
Other assets, net	—			8,585			7,644			—			16,229
Total assets	$	971,551		$	828,668		$	386,840		$	(969,052	)	$	1,218,007
Current liabilities:
Current maturities of long-term debt	$	—		$	—		$	21,085		$	—		$	21,085
Current capital lease obligations	—			594			—			—			594
Accounts payable and other accrued expenses	128			53,169			10,807			—			64,104
Other current liabilities	—			2,925			11,896			—			14,821
Customer layaway deposits	—			6,251			987			—			7,238
Intercompany payables	—			257,571			84,850			(342,421		)	—
Total current liabilities	128			320,510			129,625			(342,421		)	107,842
Long-term debt, less current maturities	130,000			—			89,480			(20,644		)	198,836
Long-term capital lease obligations	—			995			—			—			995
Deferred tax liability	6,595			1,327			—			—			7,922
Deferred gains and other long-term liabilities	—			1,898			12,005			—			13,903
Total liabilities	136,723			324,730			231,110			(363,065		)	329,498
Commitments and contingencies
Temporary equity:
Redeemable noncontrolling interest	—			—			53,681			—			53,681
Stockholders’ equity:
Class A Non-voting Common Stock, par value $.01 per share;	482			12			—			(12		)	482
Class B Voting Common Stock, convertible, par value $.01 per share;	30			1			—			(1		)	30
Additional paid-in capital	268,626			80,210			102,188			(182,398		)	268,626
Retained earnings	565,803			425,024			2,373			(427,397		)	565,803
Accumulated other comprehensive income (loss)	(113		)	(1,309		)	(2,512		)	3,821			(113		)
EZCORP, Inc. stockholders' equity	834,828			503,938			102,049			(605,987		)	834,828
Total liabilities and stockholders’ equity	$	971,551		$	828,668		$	386,840		$	(969,052	)	$	1,218,007

Condensed Consolidating Statements of Operations



	Three Months Ended March 31, 2013
	Parent			Subsidiary Guarantors			Other Subsidiaries		Eliminations			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	—		$	85,964		$	14,942	$	—		$	100,906
Jewelry scrapping sales	—			40,384			3,184		—			43,568
Pawn service charges	—			54,512			8,082		—			62,594
Consumer loan fees	—			40,725			21,585		—			62,310
Other revenues	—			1,362			1,334		—			2,696
Total revenues	—			222,947			49,127		—			272,074
Merchandise cost of goods sold	—			50,581			8,596		—			59,177
Jewelry scrapping cost of goods sold	—			27,501			2,591		—			30,092
Consumer loan bad debt	—			6,045			2,835		—			8,880
Net revenues	—			138,820			35,105		—			173,925
Operating expenses:
Operations	—			81,355			24,192		—			105,547
Administrative	—			8,354			249		—			8,603
Depreciation and amortization	—			6,382			2,381		—			8,763
(Gain) loss on sale or disposal of assets	—			(1		)	14		—			13
Total operating expenses	—			96,090			26,836		—			122,926
Operating income	—			42,730			8,269		—			50,999
Interest (income) expense	960			(362		)	3,155		—			3,753
Equity in net income of unconsolidated affiliates	(3,058		)	(1,067		)	—		—			(4,125		)
Equity of net income in subsidiaries	(46,034		)	—			—		46,034			—
Other expense	—			272			133		—			405
Income (loss) before income taxes	48,132			43,887			4,981		(46,034		)	50,966
Income tax expense	14,151			(2		)	1,937		—			16,086
Net income (loss)	33,981			43,889			3,044		(46,034		)	34,880
Net income attributable to redeemable noncontrolling interest	—			—			899		—			899
Net income (loss) attributable to EZCORP, Inc.	$	33,981		$	43,889		$	2,145	$	(46,034	)	$	33,981



	Three Months Ended March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	—		$	84,739		$	10,258		$	—		$	94,997
Jewelry scrapping sales	—			49,033			4,142			—			53,175
Pawn service charges	—			50,505			5,939			—			56,444
Consumer loan fees	—			40,233			10,086			—			50,319
Other revenues	—			985			358			—			1,343
Total revenues	—			225,495			30,783			—			256,278
Merchandise cost of goods sold	—			50,063			5,817			—			55,880
Jewelry scrap cost of goods sold	—			29,327			2,983			—			32,310
Consumer loan bad debt	—			5,310			1,156			—			6,466
Net revenues	—			140,795			20,827			—			161,622
Operating expenses:
Operations	—			71,199			15,425			—			86,624
Administrative	—			10,918			1,080			—			11,998
Depreciation and amortization	—			4,447			2,812			—			7,259
Loss on sale or disposal of assets	—			2			25			—			27
Total operating expense	—			86,566			19,342			—			105,908
Operating income	—			54,229			1,485			—			55,714
Interest (income) expense	(396		)	689			1,953			—			2,246
Equity in net income of unconsolidated affiliates	(2,142		)	(2,435		)	—			—			(4,577		)
Equity of net income in subsidiaries	(53,538		)	—			—			53,538			—
Other (income) expense	—			803			(1		)	—			802
Income (loss) before income taxes	56,076			55,172			(467		)	(53,538		)	57,243
Income tax expense	18,815			—			1,055			—			19,870
Net income (loss)	37,261			55,172			(1,522		)	(53,538		)	37,373
Net income attributable to redeemable noncontrolling interest	—			—			112			—			112
Net income (loss) attributable to EZCORP, Inc.	$	37,261		$	55,172		$	(1,634	)	$	(53,538	)	$	37,261



	Six Months Ended March 31, 2013
	Parent			Subsidiary Guarantors			Other Subsidiaries		Eliminations			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	—		$	165,166		$	31,322	$	—		$	196,488
Jewelry scrapping sales	—			82,222			7,271		—			89,493
Pawn service charges	—			112,722			15,896		—			128,618
Consumer loan fees	—			83,661			43,414		—			127,075
Other revenues	—			3,931			3,595		—			7,526
Total revenues	—			447,702			101,498		—			549,200
Merchandise cost of goods sold	—			96,632			18,046		—			114,678
Jewelry scrap cost of goods sold	—			56,490			5,801		—			62,291
Consumer loan bad debt	—			16,692			6,262		—			22,954
Net revenues	—			277,888			71,389		—			349,277
Operating expenses:
Operations	—			163,871			48,938		—			212,809
Administrative	(103		)	21,868			509		—			22,274
Depreciation and amortization	—			11,793			4,622		—			16,415
Loss on sale or disposal of assets	—			27			15		—			42
Total operating expense	(103		)	197,559			54,084		—			251,540
Operating income	103			80,329			17,305		—			97,737
Interest (income) expense	1,976			(732		)	6,146		—			7,390
Equity in net income of unconsolidated affiliates	(6,226		)	(2,937		)	—		—			(9,163		)
Equity of net income in subsidiaries	(88,186		)	—			—		88,186			—
Other (income) expense	—			(227		)	131		—			(96		)
Income (loss) before income taxes	92,539			84,225			11,028		(88,186		)	99,606
Income tax expense	27,841			—			4,730		—			32,571
Net income (loss)	64,698			84,225			6,298		(88,186		)	67,035
Net income attributable to redeemable noncontrolling interest	—			—			2,337		—			2,337
Net income (loss) attributable to EZCORP, Inc.	$	64,698		$	84,225		$	3,961	$	(88,186	)	$	64,698



	Six Months Ended March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	—		$	160,711		$	21,180		$	—		$	181,891
Jewelry scrapping sales	—			101,607			7,971			—			109,578
Pawn service charges	—			104,875			11,361			—			116,236
Consumer loan fees	—			82,650			12,757			—			95,407
Other revenues	20,139			1,835			676			(20,611		)	2,039
Total revenues	20,139			451,678			53,945			(20,611		)	505,151
Merchandise cost of goods sold	—			93,178			11,098			—			104,276
Jewelry scrap cost of goods sold	—			62,333			5,401			—			67,734
Consumer loan bad debt	—			15,501			1,990			—			17,491
Net revenues	20,139			280,666			35,456			(20,611		)	315,650
Operating expenses:
Operations	—			142,796			26,386			—			169,182
Administrative	—			21,735			2,389			(472		)	23,652
Depreciation and amortization	—			8,594			3,920			—			12,514
(Gain) loss on sale or disposal of assets	—			(222		)	48			—			(174		)
Total operating expense	—			172,903			32,743			(472		)	205,174
Operating income	20,139			107,763			2,713			(20,139		)	110,476
Interest (income) expense	(2,269		)	3,142			1,924			—			2,797
Equity in net income of unconsolidated affiliates	(4,478		)	(4,260		)	—			—			(8,738		)
Equity of net income in subsidiaries	(87,451		)	—			—			87,451			—
Other (income) expense	—			(334		)	17			—			(317		)
Income before income taxes	114,337			109,215			772			(107,590		)	116,734
Income tax expense	37,724			20,139			2,285			(20,139		)	40,009
Net income (loss)	76,613			89,076			(1,513		)	(87,451		)	76,725
Net income attributable to redeemable noncontrolling interest	—			—			112			—			112
Net income (loss) attributable to EZCORP, Inc.	$	76,613		$	89,076		$	(1,625	)	$	(87,451	)	$	76,613

Condensed Consolidating Statements of Comprehensive Income



	Three Months Ended March 31, 2013
	Parent			Subsidiary Guarantors			Other Subsidiaries		Eliminations			Consolidated
	(in thousands)
Net income (loss)	$	33,981		$	43,889		$	3,044	$	(46,034	)	$	34,880
Other comprehensive income (loss):
Foreign currency translation gain (loss)	8,351			(12		)	7,871		(5,099		)	11,111
Unrealized holding gains (losses) arising during period	(221		)	(221		)	—		221			(221		)
Income tax benefit (provision)	(1,057		)	82			—		(82		)	(1,057		)
Other comprehensive income (loss), net of tax	7,073			(151		)	7,871		(4,960		)	9,833
Comprehensive income (loss)	$	41,054		$	43,738		$	10,915	$	(50,994	)	$	44,713
Attributable to redeemable noncontrolling interest:
Net income	—			—			899		—			899
Foreign currency translation gain	—			—			2,760		—			2,760
Comprehensive income attributable to redeemable noncontrolling interest	—			—			3,659		—			3,659
Comprehensive income (loss) attributable to EZCORP, Inc.	$	41,054		$	43,738		$	7,256	$	(50,994	)	$	41,054



	Three Months Ended March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Net income (loss)	$	37,261		$	55,172		$	(1,522	)	$	(53,538	)	$	37,373
Other comprehensive income (loss):
Foreign currency translation gain (loss)	5,898			(458		)	6,029			(5,075		)	6,394
Unrealized holding gains (losses) arising during period	(179		)	(179		)	—			179			(179		)
Income tax benefit (provision)	(75		)	213			—			(213		)	(75		)
Other comprehensive income (loss), net of tax	5,644			(424		)	6,029			(5,109		)	6,140
Comprehensive income (loss)	$	42,905		$	54,748		$	4,507		$	(58,647	)	$	43,513
Attributable to redeemable noncontrolling interest:
Net income	—			—			112			—			112
Foreign currency translation gain	—			—			496			—			496
Comprehensive income attributable to redeemable noncontrolling interest	—			—			608			—			608
Comprehensive income (loss) attributable to EZCORP, Inc.	$	42,905		$	54,748		$	3,899		$	(58,647	)	$	42,905



	Six Months Ended March 31, 2013
	Parent			Subsidiary Guarantors			Other Subsidiaries		Eliminations			Consolidated
	(in thousands)
Net income (loss)	$	64,698		$	84,225		$	6,298	$	(88,186	)	$	67,035
Other comprehensive income (loss):
Foreign currency translation gain (loss)	12,470			1,337			5,638		(4,866		)	14,579
Unrealized holding gains (losses) arising during period	(264		)	(264		)	—		264			(264		)
Income tax benefit (provision)	(3,037		)	(375		)	—		375			(3,037		)
Other comprehensive income (loss), net of tax	9,169			698			5,638		(4,227		)	11,278
Comprehensive income (loss)	$	73,867		$	84,923		$	11,936	$	(92,413	)	$	78,313
Attributable to redeemable noncontrolling interest:
Net income	—			—			2,337		—			2,337
Foreign currency translation gain	—			—			2,109		—			2,109
Comprehensive income attributable to redeemable noncontrolling interest	—			—			4,446		—			4,446
Comprehensive income (loss) attributable to EZCORP, Inc.	$	73,867		$	84,923		$	7,490	$	(92,413	)	$	73,867



	Six Months Ended March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Net income (loss)	$	76,613		$	89,076		$	(1,513	)	$	(87,451	)	$	76,725
Other comprehensive income (loss):
Foreign currency translation gain (loss)	(2,870		)	(1,336		)	4,090			(2,258		)	(2,374		)
Unrealized holding gains (losses) arising during period	(738		)	(738		)	—			738			(738		)
Income tax benefit (provision)	2,511			716			—			(716		)	2,511
Other comprehensive income (loss), net of tax	(1,097		)	(1,358		)	4,090			(2,236		)	(601		)
Comprehensive income (loss)	$	75,516		$	87,718		$	2,577		$	(89,687	)	$	76,124
Attributable to redeemable noncontrolling interest:
Net income	—			—			112			—			112
Foreign currency translation gain	—			—			496			—			496
Comprehensive income attributable to redeemable noncontrolling interest	—			—			608			—			608
Comprehensive income (loss) attributable to EZCORP, Inc.	$	75,516		$	87,718		$	1,969		$	(89,687	)	$	75,516

Condensed Consolidating Statements of Cash Flows



	Six Months Ended March 31, 2013
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Net cash provided by (used in) operating activities	$	70,266		$	(11,375	)	$	35,277		$	—		$	94,168
Investing Activities:
Loans made	—			(324,903		)	(116,014		)	—			(440,917		)
Loans repaid	—			237,041			70,889			—			307,930
Recovery of pawn loan principal through sale of forfeited collateral	—			112,660			17,305			—			129,965
Additions to property and equipment	—			(15,955		)	(7,551		)	—			(23,506		)
Acquisitions, net of cash acquired	—			(11,162		)	(1,117		)	—			(12,279		)
Proceeds on advances to subsidiaries	—			7,754			—			(7,754		)	—
Investment in unconsolidated affiliates	(11,018		)	—			—			—			(11,018		)
Net cash used in investing activities	$	(11,018	)	$	5,435		$	(36,488	)	$	(7,754	)	$	(49,825	)
Financing Activities:
Proceeds from exercise of stock options	6			—			—			—			6
Excess tax benefit from stock compensation	342			—			—			—			342
Debt issuance cost	—			—			(259		)	—			(259		)
Taxes paid related to net share settlement of equity awards	(3,596		)	—			—			—			(3,596		)
Change in restricted cash	—			—			2,303			—			2,303
Proceeds from revolving line of credit	138,000			—			10,265			—			148,265
Payments on revolving line of credit	(194,000		)	—			(805		)	—			(194,805		)
Proceeds from bank borrowings	—			—			1,172			—			1,172
Payments on bank borrowings and capital lease obligations	—			(225		)	(12,699		)	7,754			(5,170		)
Net cash provided by (used in) financing activities	$	(59,248	)	$	(225	)	$	(23	)	$	7,754		$	(51,742	)
Effect of exchange rate changes on cash and cash equivalents	—			—			365			—			365
Net decrease in cash and cash equivalents	—			(6,165		)	(869		)	—			(7,034		)
Cash and cash equivalents at beginning of period	703			27,686			20,088			—			48,477
Cash and cash equivalents at end of period	$	703		$	21,521		$	19,219		$	—		$	41,443



	Six Months Ended March 31, 2012
	Parent			Subsidiary Guarantors			Other Subsidiaries			Eliminations			Consolidated
	(in thousands)
Net cash provided by (used in) operating activities	$	(12,881	)	$	46,249		$	61,726		$	—		$	95,094
Investing Activities:
Loans made	—			(293,161		)	(67,193		)	—			(360,354		)
Loans repaid	—			212,065			48,224			—			260,289
Recovery of pawn loan principal through sale of forfeited collateral	—			117,114			12,404			—			129,518
Additions to property and equipment	—			(12,584		)	(8,258		)	—			(20,842		)
Acquisitions, net of cash acquired	—			(51,254		)	(31,803		)	—			(83,057		)
Proceeds on advances to subsidiaries	—			$	(10,269	)	$	—		$	10,269		$	—
Net cash provided by (used in) investing activities	$	—		$	(38,089	)	$	(46,626	)	$	10,269		$	(74,446	)
Financing Activities:
Proceeds from exercise of stock options	634			—			—			—			634
Excess tax benefit from stock compensation	1,521			—			—			—			1,521
Taxes paid related to net share settlement of equity awards	(1,071		)	—			—			—			(1,071		)
Change in restricted cash	—			—			(935		)	—			(935		)
Proceeds on revolving line of credit	321,500			—			117			—			321,617
Payments on revolving line of credit	(309,000		)	—			(9,227		)	—			(318,227		)
Proceeds from bank borrowings	—			—			10,269			(10,269		)	—
Payments on bank borrowings and capital lease obligations	—			—			(1,056		)	—			(1,056		)
Net cash provided by (used in) financing activities	$	13,584		$	—		$	(832	)	$	(10,269	)	$	2,483
Effect of exchange rate changes on cash and cash equivalents	—			—			(426		)	—			(426		)
Net increase in cash and cash equivalents	703			8,160			13,842			—			22,705
Cash and cash equivalents at beginning of period	—			20,860			3,109			—			23,969
Cash and cash equivalents at end of period	$	703		$	29,020		$	16,951		$	—		$	46,674