Established in 1985, Nicholas Financial provides direct consumer loans and specializes in purchasing and servicing installment sales contracts made by franchised and independent automobile dealers. The company operates a network of more than 40 branch offices in Florida, Georgia, Indiana, Ohio, Kentucky, North Carolina, South Carolina, Michigan, Maryland and Virginia. The company s software subsidiary, Nicholas Data Services, designs, develops, supports and sells accounting software to small businesses throughout North America. NDS is also the computer automation services provider for Nicholas Financial. The company s common shares are traded on the NASDAQ Stock Exchange under the ticker symbol NICK. Nicholas Financial maintains its corporate offices in Clearwater, Fla.

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