Q2 2006 Quebec HLDGS INC Earnings Conference Call

We thank you for your patience, ladies and gentlemen, gentlemen and welcome to the second quarter of 2006, Quebec result Holding Conference Call. My name is Candace, and I will convey your coordinator for today.

Before you begin, the company asked me, please read the following statement. 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 current expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those set forth looking.

These risks include, among others, changes in laws or regulations for consumer protection or pay, loan practices, litigation or regulatory measures on the volatility of our results, and other risk factors detailed in item 1A, risk factors in our 2005 Form 10-K. Quebec will not be updated every forward-looking statements contained in this presentation or conference call accompanies this presentation. Also, if you wish, you follow with the presentation slides, please on the website QC Holdings qcholdings.com. Then click on the Webcast icon microphone on the homepage of the guide on the slides.

Let me now submitting your host for the conference today, Chairman and Chief Executive Officer, Mr. Don spring. Please, sir. DON ago, Chairman and CEO, Quebec HOLDINGS INC: Thank you and welcome to all. We want to present the results for the second quarter and discuss our strategy and tactics for conducting the result of improvements for the future.

Let me take a minute to a few thoughts about our industry and our company. First: The foundations of the industry are strong. Credit quality has improved, revenues are paying reflects the impressive demand for our product. Our association is specialized sector professional and efficient. Secondly, Quebec fundamentals remain strong.

We conducted our work report of loss and showed a good access to this important element of the transaction. Our offices are more comparable to that of a year ago and better than when we went. We are always excited by the potential of our new offices. Finally, the strength of our balance sheet us in the situation on the regulation time, the challenges and opportunities. With this in mind, I would like once again the invitation to Darrin Andersen. Darrin?

Darrin Andersen, president and COO, Quebec, HOLDINGS INC: Thank you, Don, and thank you to all on the line for their interest in Quebec. I will briefly on a few points in the business world summary update and then type more details on the matters before forwarding the call to Doug revision of financial results for the quarter, and we will finally open invitation to submit questions at the end of the year.

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