In December 2008 EZCORP, Inc. completed the acquisition of Value Financial Services and its portfolio of pawnshops in Florida, Tennessee, Georgia and Mexico. EZCORP provides loans or credit services to customers who do not have cash resources or access to credit to meet their short-term cash needs. We operate pawnshops in the United States under the "EZPAWN" and "Value Pawn" brands, and in Mexico under the "EMPEÑO FÁCIL" and "EMPEÑE SU ORO" brands. At these locations, we offer nonrecourse loans collateralized by tangible personal property, commonly known as pawn loans, and sell merchandise, primarily collateral forfeited from our pawn lending operations, to consumers looking for good value.

We also operate short-term consumer loan stores in the United States principally under the "EZMONEY" brand and in Canada under the "CASHMAX" brand. At these locations (and in some of our pawnshops), we offer a variety of short-term consumer loans, including payday loans, installment loans and auto title loans, or fee-based credit services to customers seeking loans.

We also have significant investments in, and strategic relationships with, Albemarle & Bond Holdings PLC, one of the U.K.'s largest pawnbroking businesses, and Cash Converters International Limited, which franchises and operates locations in Australia, U.K., Spain, South Africa, France and other countries.

OUR VISION: EZCORP WILL BE THE PREFERRED PROVIDER OF SHORT-TERM CASH TO THE CASH AND CREDIT CONSTRAINED CONSUMER - NEIGHBORHOOD BY NEIGHBORHOOD.