This summary is based on the fourth quarter fiscal 2007 earnings call conducted by Dollar Financial Corp. (DLLR: chart) on September 10, 2007.

President: Don Gayhardt
Chairman & CEO: Jeffrey A Weiss
CFO: Randy Underwood
Investor Relations & Media Julie Prozeller

Key Investors Issues

- EPS were 42 cents per share compared to 10 cents per share last year.
- Profit rose to $10.3 million, from $1.9 million during the same period a year ago.
- Revenue rose 26% to $109.1 million from $86.9 million last year.

Fourth Quarter Highlights

Consolidated revenue was $109.1 million, an increase of 25.5%.

- Total revenue from the company''s international operations increased 39.3% or $23.5 million.
- The consolidated loan loss provision, as a percentage of gross consumer lending revenue, was 21.3%.
- Store and regional margin, as a percentage of total revenue, increased to 38.4%, as compared to 35.6% for the prior year''s quarter.
- Consolidated adjusted EBITDA was $32 million, an increase of 40.6% or $9.2 million.
- Due principally to operating losses in the U.S. business, as a result of the transition from bank-funded installment loans to company-funded loans, the effective tax rate increased to 42.1%.

Pro forma income before income taxes, which primarily excludes debt financing costs of 9 cents per share million, increased 60.6% from $11.8 million to $18.9 million.

- Pro forma fully-diluted earnings per share increased to 48 cents per share compared to 37 cents per share for the prior year.
- Actual fully-diluted earnings per share were 42 cents per share compared to 10 cents per share for the previous year.
- The company opened 12 de novo stores.

On August 30, 2007, the company entered into agreements to acquire forty-five financial services stores principally located in the Midwest and Hawaii.

The total purchase price for the acquisition, including the consumer loan portfolio, is $27 million, in addition to a payment for the cash in the stores at closing. The company is utilizing a portion of the proceeds from its recent $200 million senior convertible note offering completed on June 27, 2007 to pay for the acquisition. The total revenue and EBITDA contribution of these stores on an annual basis is estimated to be $13 million and $4.5 million, respectively.

The company has already completed the purchase of twenty-two of the forty-five stores that are located in Missouri, Hawaii, Arizona, and Oklahoma and expects to finalize the purchase of the remaining twenty-three stores which are principally in Kansas, along with several stores in Nebraska, Iowa and South Carolina upon the receipt of state and local business licenses.

The company continues to execute on multi-country, multi-channel and multi-product growth strategy and pursue the best investment opportunities across all three of geographic markets to achieve the highest possible return for shareholders.

The acquisition of these forty-five well managed and strong performing stores represents entrance into several new U.S. markets in the midwest, and is the first step in operational strategy to improve the profitability of U.S. business and unlock the value of tax NOL''s. The company benefited from the investments made in international businesses, achieving nearly a 40% increase in total revenue from combined Canadian and U.K. business segments. Furthermore, global credit losses continue to be in line with expectations.

The company is excited about the growth prospects for company as a result of several catalysts including improving visibility in the Canadian regulatory environment, growth opportunities burgeoning in the U.K. and other potential international markets, as well as the significant historical tax operating losses the company can apply against future U.S. earnings.

Consolidated check cashing revenue increased by 20.6%, or $7.6 million, year-over-year as the Canadian business segment grew by 31.2% or $4.5 million while the U.K. business realized growth of 24.8% or $2.7 million.

- On a consolidated basis, the face amount of the average check cashed increased 7.6% to $496 compared to $461 for the prior year period, and the average fee per check cashed increased by 10.3% to $19.23.
- Consolidated net consumer lending revenue increased by 33.1% or $12.1 million compared to the prior year, driven by growth in Canada of 58% or $10 million and growth in the U.K. of 37.1% or $2.6 million.
- The consolidated loan loss provision, as a percentage of gross consumer lending revenue, was in line with the company''s expectations at 21.3% as compared to 20.8% for the third quarter of fiscal 2007.

Total company funded loan originations were $401.2 million, representing a net increase of 56%, or $144 million, compared to the prior year.

- Company funded loan originations in Canada increased by 62.5% or $93.6 million and U.K. loan originations increased by 51.6% or $26.9 million.
- Furthermore, loan originations in the U.S. increased by 42.3% or $23.4 million as a result of both an acquisition in the second quarter of fiscal 2007 and also the transition, of a portion of the U.S. loan portfolio from bank-funded installment loans to company-funded loans.
- Money transfer fees increased 24.8% or $1.1 million year-over-year, as a result of continued growth in the company''s international markets.
- Other revenue increased by 14.9% or $1.4 million, principally due to the success of MasterCard branded debit-card sales in Canada and the U.K., as well as growth in the foreign currency product in both the Canadian and U.K. businesses.

Comparable store sales increased 7.1% or $5.9 million, and on a constant currency basis increased by 3.8% or $3.3 million compared to the prior year period.