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•	Diluted earnings per share from continuing operations for the third quarter of 2013 were $0.79, an increase of 18% compared to earnings per share of $0.67 in the third quarter of 2012.

•	Third quarter earnings included a non-recurring estimated tax benefit of approximately $3.3 million, or $0.11 per share, related to the Company's election to strategically alter its U.S. tax reporting of its foreign operations.

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Year-to-date diluted earnings per share from continuing operations increased 11% to $1.99, compared to $1.80 in the comparable prior-year period. The year-to-date earnings results include the estimated $0.11 per share non-recurring tax benefit, partially offset by approximately $0.04 of non-recurring transaction costs associated with the previously announced acquisitions and tax restructuring expenses.

•	Total revenue for the third quarter was a Company record $174 million. Revenue from core pawn operations (retail merchandise sales and pawn loan fees) increased 25% for the third quarter and 28% year-to-date.

•	Core pawn revenue increased 35% in the U.S. and 19% in Mexico for the quarter, with Mexico accounting for 58% of core pawn revenue and 52% of total revenue for the quarter.

•	Consolidated retail merchandise sales increased by 28% for the third quarter, while revenue from pawn loan fees increased 19% for the quarter. U.S. third quarter retail sales increased 40% and pawn loan fees increased 27%. In Mexico, third quarter retail sales and pawn loan fees increased 22% and 14%, respectively.

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Same-store core revenue in the Company's pawn stores (which excludes wholesale jewelry scrapping) increased 12% in Mexico, decreased 3% in the U.S. and increased 6% on a consolidated basis for the third quarter as compared to the prior-year period. Using the same measures on a constant currency basis, third quarter same-store revenue increased 10% in Mexico, and 5% overall. Year-to-date, same-store revenue (on a constant currency basis) increased 7% in total, 10% in Mexico and 1% in the U.S, compared to the prior-year period.

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Reflecting the continued trends of lower gold prices and fewer gold buying transactions with customers, net revenue (gross profit) from non-core wholesale scrap jewelry operations in the third quarter decreased $4.1 million, or 59%, compared to the same period last year. The average selling price of gold liquidated during the quarter was $1,343 per ounce and generated a gross profit margin of 11%, compared to the prior-year price and margin of $1,666 and 27%, respectively. The Company sold 17,300 ounces of gold during the third quarter of 2013, including 7,700 ounces of inventory from second quarter operations. Year-to-date scrap gold production (in ounces) was down 18%, while scrap gross profit during the same period had decreased $10.8 million, or 57%, compared to the same period last year. Scrap jewelery accounted for only 3% of quarter and year-to-date net revenue.

•	Short-term loan and credit services revenue (collectively, payday loan products), primarily from the 63 U.S. stand-alone small format stores located in Texas, decreased 16% in the third quarter compared to the prior-year quarter. The Company considers its payday loan products to be non-core/non-growth revenue streams and comprised less than 7% of total revenue in the third quarter.

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Consolidated pawn loans outstanding at September 30, 2013 totaled a Company record at $121 million, an increase of 14% over the prior year on a constant currency basis. U.S. pawn loans increased 17% versus the prior year, while in Mexico pawn loans grew 11% on a constant currency basis. Pawn loans collateralized with non-jewelry hard good items (primarily electronics, tools and appliances) increased 16% in Mexico (constant currency basis), driven almost entirely by an increase in the number of loans outstanding.

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At September 30, 2013, 65% of total pawn loans were collateralized with hard goods with the remaining 35% collateralized by jewelry. In Mexico, 88% of the Company’s pawn loans were collateralized with hard goods, and only 12% were collateralized with jewelry, compared to 83% and 17%, respectively, one year ago. In the Company's U.S. stores, jewelry comprised 60% of pawn collateral as of the quarter end, compared to 64% last year.

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The consolidated gross margin on retail merchandise sales was 40% for both the third quarter of 2013 and year-to-date, compared to 43% and 42% for the comparable periods in 2012, respectively. The change in retail margins reflects the continued shift in the Company's consolidated retail product mix toward general merchandise inventory, especially in Mexico, that carries slightly lower margins than retail jewelry items.

•	Consolidated annualized inventory turns were 3.7 times per year. Aged inventories (items held for over a year) accounted for less than 3% of total inventories.

•	In total, the Company added 28 large format pawn store locations during the third quarter of 2013 composed of 18 new store openings in Mexico, two new stores in the U.S. and the eight-store acquisition in Mexico described below. Year-to-date, a total of 83 stores have been opened or acquired.

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On September 30, 2013, the Company completed the acquisition of eight large format pawn stores in the Cabo/La Paz markets in Baja California Sur, Mexico. This acquisition was pursuant to an option provision associated with a previous acquisition of 29 pawn stores in western Mexico completed in January 2012. The assets, liabilities and operating results were included in the Company's consolidated results as of the closing date.

•	As of September 30, 2013, the Company had 300 stores in the U.S., of which 210 are large format, full-service pawn stores, and 588 stores in Mexico, of which 542 are large format, full-service pawn stores. Year-over-year store growth has increased by 9% in the U.S. and 10% in Mexico.

•	Consolidated net operating margin (pre-tax income) was 19% for the trailing twelve month period, while store-level operating profit margins were 28% for the trailing twelve month period.

•	The Company’s return on equity for the trailing twelve months ended September 30, 2013, was 23%, while its return on assets was 16%.

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EBITDA from continuing operations for the trailing twelve months ended September 30, 2013, was $143 million, an increase of 14% versus the comparable prior twelve-month period. The EBITDA margin from continuing operations of 22% for the trailing twelve months equaled the prior-year period. Free cash flow for the trailing twelve months was $77 million. EBITDA from continuing operations and free cash flow are defined in the detailed reconciliation of these non-GAAP financial measures provided elsewhere in this release.

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In September 2013, the Company entered into an agreement to expand its existing bank credit facility, with the amount available for borrowings under the facility increased from $175 million to $205 million. The facility continues to bear interest at the prevailing 30-day LIBOR rate plus a fixed spread of 2.0% and matures in February 2015. At September 30, 2013, the Company had $152.5 million outstanding and $52.5 million of availability on the facility.

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Over the twelve months ended September 30, 2013, the Company has invested $97 million in acquisitions, $39 million in stock repurchases, $24 million in capital expenditures and $6 million in net new pawn receivables and inventory in existing stores. Even with the $12.4 million acquisition and 20 store openings completed during the third quarter, net borrowings did not increase and the Company ended the quarter with $31 million in cash on its balance sheet.

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During the third quarter, the Company elected to modify its tax reporting structure in order to separate the results of foreign operations from its consolidated U.S. federal income tax returns. This change is expected to reduce the Company's overall effective tax rate from just over 35% to be in a range of 32 % to 33% beginning with the third quarter of 2013. In addition to the expected long-term reduction in the Company's effective consolidated tax rate, the Company is recording, in the third quarter, a non-recurring estimated net tax benefit of approximately $3.3 million related to the change in the tax structure.

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The Company expects full-year 2013 earnings to be in the upper half of its previously forecast range of $2.75 to $2.90 per fully-diluted share. The move to the upper half of the range includes the $0.11 per share non-recurring third quarter tax benefit, offset by the expected full-year non-recurring transaction costs of approximately $0.04 to $0.05 associated with the completed acquisitions and tax restructuring expenses. Additionally, the guidance range anticipates continued weakness from non-core scrap jewelry and payday lending revenues in the fourth quarter. The guidance is predicated on gold prices per ounce remaining in the $1,200 to $1,300 range and the Mexican peso to U.S. dollar exchange rate at approximately 13 to 1.

•	With 83 stores added year-to-date, the Company is increasing its fiscal 2013 projected store additions, excluding any additional acquisitions, to the range of approximately 95 to 100 total locations. The majority of the de novo store openings will continue to be large format pawn stores in Mexico. This represents store growth of approximately 12% over the prior year.

•	Approximately 94% of 2013 revenues are expected to be derived from the Company's growing pawn operations, with the remainder expected to come from non-core consumer loan and credit services operations.

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(1)	The large format locations include retail showrooms and accept a broad array of pawn collateral including electronics, appliances, tools, jewelry and other consumer hard goods. At September 30, 2013, 115 of the U.S. large format pawn stores also offered consumer loans or credit services products.

(2)	The small format locations typically have limited retail operations and primarily accept jewelry and small electronic items as pawn collateral. At September 30, 2013, all but one of the small format pawn stores also offered consumer loans or credit services products.

(3)

The Company’s U.S. free-standing, small format consumer loan locations offer a credit services product and are all located in Texas. The Mexico locations offer small, short-term consumer loans. In addition to stores shown on this chart, the Company is also an equal partner in Cash & Go, Ltd., a joint venture, which owns and operates 37 check cashing and financial services kiosks located inside convenience stores in the state of Texas. The Company’s credit services operations also include an internet distribution channel for customers residing in the state of Texas.

(4)	The operations of the consumer loan locations were consolidated with adjacent or nearby large format pawn locations.

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(1)	The large format locations include retail showrooms and accept a broad array of pawn collateral including electronics, appliances, tools, jewelry and other consumer hard goods. At September 30, 2013, 115 of the U.S. large format pawn stores also offered consumer loans or credit services products.

(2)	The small format locations typically have limited retail operations and primarily accept jewelry and small electronic items as pawn collateral. At September 30, 2013, all but one of the small format pawn stores also offered consumer loans or credit services products.

(3)

The Company’s U.S. free-standing, small format consumer loan locations offer a credit services product and are all located in Texas. The Mexico locations offer small, short-term consumer loans. In addition to stores shown on this chart, the Company is also an equal partner in Cash & Go, Ltd., a joint venture, which owns and operates 37 check cashing and financial services kiosks located inside convenience stores in the state of Texas. The Company’s credit services operations also include an internet distribution channel for customers in the state of Texas.

(4)	The operations of the consumer loan locations were consolidated with adjacent or nearby large format pawn locations.

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(1)	CSO amounts are composed of the principal portion of active CSO extensions of credit by an independent third-party lender, which are not included on the Company's balance sheet, net of the Company's estimated fair value of its liability under the letters of credit guaranteeing the loans.

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