Value Financial Services Revenue and Competitors

Value Financial Services, Inc. is a provider of small, secured, non-recourse consumer loans, known as pawn loans, and related services in the United States. The Company lends money on a short-term basis against pledged tangible personal property, such as jewelry, electronic equipment, tools, sporting goods, musical instruments and other items, and also sells merchandise, including forfeited collateral from pawn loans. As of June 30, 2007, the Company operated 62 pawn and jewelry stores in three states, which included 56 stores in Florida, four stores in Tennessee and two stores in Georgia. These stores are operated under the trade names of Value Pawn and Jewelry in Florida and Georgia, and Check Jewelry & Loan in Tennessee. At March 31, 2007, the Company had a total of 91,304 pawn loans outstanding with a total balance of $13.5 million.