Ace Cash Express Loan Agreement

The Company assumes that its current credit agreement, which is due to expire on October 31, 2002, will be renewed or replaced. The Company is continuing its plan to privately house priority secured bonds of $50 million to $75 million, with the aim of reviewing its existing bank debts and credit facilities. If the company is unable to raise capital from one or more other sources to reach its target by October 31, 2002, it may be necessary to obtain a further extension or extension of its existing credit facilities from lenders. The entity cannot provide assurance that its proposed private placement will be completed, that it will be able to obtain additional external capital from another source, or that its existing credit facilities will be renewed or extended on terms acceptable to the business, or in general. Fiscal 2002 compared to 2001. In fiscal 2002, spending in the region increased by USD 3.4 million and 24% respectively over fiscal 2001. The increase is due to additional staff in the collections and customer service related to the Goleta loan product and an increase in the number of district managers in the field. Spending in the region increased by 7.6% in fiscal 2002 to 7.6%, compared with 7.2% in fiscal 2001. On August 28, 2002, the court approved a class comparison contract under which the company agreed to pay approximately $400,000, leaving an order dismissing all claims in the company with pre-contained shares. Barring an appeal, this order will take effect on September 27, 2002. Management determines or calculates the provision for risks for companies` holdings in current bank loans as a percentage of their equity units in the total amount of principal and interest accrued on bank loans that mature or must be due and payable over a period of time (usually one quarter of activity). Although the company wants to receive or collect 100% of the equity shares in the sum of the principal and accrued interest for all bank loans due, the company has set the provision for risks on the assumption that it will receive, as payment of its equity units, an amount of 93% (for bank loans that are due or payable in the company.

all bank loans maturing (or, in other words, 7% in the first, second or fourth quarter of businesses and 6% in the third quarter of the business) are billed. To this end, any extension of a bank loan is considered a continuation of the original bank loan. Fiscal 2001 compared to the 2000 financial year. Other depreciation and amortization increased by $1.3 million and 34% respectively in fiscal 2001 compared to fiscal 2000. This increase is due to the additional amortization of intangible assets (d. h. Goodwill and non-competition agreements) resulting from the 133 branches acquired in fiscal 2001 and the 33 branches acquired in the last half of 2000, as well as amortization expenses for the 49 branches opened in fiscal 2001 and the 67 branches opened in the last half of fiscal 2000. Loan fees and interest for the year ended June 30, 2001 primarily reflect the company`s holdings in Goleta loans, but reflect, for the majority of the year ended June 30, 2000, payday loans made by businesses to customers. Credit charges and interest increased by EUR 36.9 million in fiscal 2001. USD and 206% to $54.8 million, compared to $17.9 million in fiscal 2000, due to an increase in the number of branches offering credit products, mainly due to the offering of Goleta loan product in 947 branches as of June 30, 2001.