Cautionary Note About Forward-Looking Statements
Forward Looking Statement Disclaimer: This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on the Company’s current expectations and are subject to a number of risks and uncertainties, which could cause actual results to differ materially from those forward-looking statements. These risks include (1) changes in laws or regulations or governmental interpretations of existing laws and regulations governing consumer protection or payday lending practices, (2) litigation or regulatory action directed towards us or the payday loan industry, (3) our role as a marketing and servicing agent for lending banks in North Carolina and Texas and changes in federal or state laws affecting or the results of industry litigation and regulatory challenges involving those types of relationships, (4) volatility in our earnings, primarily as a result of fluctuations in loan loss experience, (5) negative media reports and public perception of the payday loan industry and the impact on state legislatures and federal and state regulators, (6) turnover in our store managers and store-level employees, (7) changes in our key management personnel, (8) integration risks and costs associated with acquisitions, and (9) the other risks detailed under the caption “Risk Factors” in our Registration Statement on Form S-1, as amended, Registration No. 333-115297, filed on July 9, 2004 with the Securities and Exchange Commission and our annual report on Form 10-K to be filed with the SEC on or before March 31, 2005. QC will not update any forward-looking statements made in this presentation or on the conference call accompanying this presentation.