“We continue to experience strong demand for consumer loans across our global enterprise, as our consolidated unsecured loan portfolio grew by 17.0% during the fiscal second quarter compared to the prior-year period, and our total secured pawn loan portfolio grew by 17.6%,” continued Mr. Weiss. “Furthermore, we remain well positioned to meet the growing needs of our customer base through our increasingly diversified suite of products across multiple geographies and platforms. Looking toward our long-term future, we are beginning to explore business prospects in the emerging economies of Asia, Africa and South America, where over half of the adult population is unbanked and largely served by smaller and disparate operators. Our mission is to be the leading global provider of diversified financial services to the ALICE (Asset Limited, Income Constrained, Employed) and ARTI (Asset Rich, Temporarily Illiquid) demographics, and we intend to continue investing in new markets, information systems and expanding our product portfolio, while looking to provide long-term shareholder value.”

Discussion on Currency Exchange Rates

The average value of the U.S. Dollar weakened during the quarter compared to the Canadian Dollar and British Pound Sterling, with the average value of the Canadian currency increasing by 3%, while the British Pound Sterling increased approximately 2% relative to the U.S. currency. In addition, the average value of the Euro declined by 4% compared to the U.S. Dollar during the same period. Consequently, fluctuations in currency rates had a net favorable effect on year-over-year U.S. Dollar comparisons of the Company’s consolidated financial results. As a result, the Company is providing some country comparisons on a constant currency basis.

Fiscal 2013 Second Quarter Financial Results

For the quarter ended December 31, 2012, the Company recorded revenue of $292.9 million, an increase of 9.1% on a constant currency basis compared to the prior-year period. Total unsecured consumer lending revenue was $189.5 million, up 16.3% on a constant currency basis over the prior-year period, and includes revenue from internet-based loans of $78.2 million, which increased 24.2% on a constant currency basis compared to the prior-year period. Secured pawn lending contributed revenue of $21.7 million, an increase of 5.2% compared to the prior-year period, excluding the impact of currency exchange rates.

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