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|   | South Carolina |   | 570425114 |   |
|   | (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification No.) |   |
|   |   |   |   |   |
|   | 108 Frederick Street |   |   |   |
|   | Greenville, South Carolina |   | 29607 |   |
|   | (Address of principal executive offices) |   | (Zip Code) |   |

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|        |  |  |
|   | (864) 298-9800 |   |
|   | (Registrant's telephone number, including area code) |   |

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|        |  |  |  |  |
|   | Title of  Each Class |   | Name of Each Exchange on Which Registered |   |
|   | Common Stock, no par value |   | The NASDAQ Stock Market LLC |   |
|   |   |   | (NASDAQ Global Select Market) |   |

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|   | Large accelerated filer o | Accelerated filer x |   |
|   |   |   |   |
|   | Non-accelerated filer o | Smaller reporting company o |   |
|   |   | (Do not check if smaller reporting company) |   |

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|          |  |  |
| Item No. | Page |
|     |   |   |
| PART I   |   |
|     |   |   |
| 1        | Business | 2 |
|     |   |   |
| 1A.      | Risk Factors | 13 |
|     |   |   |
| 1B.      | Unresolved Staff Comments | 18 |
|     |   |   |
| 2.       | Properties | 18 |
|     |   |   |
| 3.       | Legal Proceedings | 18 |
|     |   |   |
| 4.       | Mine Safety Disclosures | 18 |
|     |   |   |
| PART II  |   |
|     |   |   |
| 5.       | Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 19 |
|     |   |   |
| PART III |   |
|     |   |   |
| 10.      | Directors, Executive Officers and Corporate Governance | 21 |
|     |   |   |
| 11.      | Executive Compensation | 21 |
|     |   |   |
| 12.      | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 21 |
|     |   |   |
| 13.      | Certain Relationships and Related Transactions, and Director Independence | 21 |
|     |   |   |
| 14.      | Principal Accountant Fees and Services | 21 |
|     |   |   |
| PART IV  |   |
|     |   |   |
| 15.      | Exhibits and Financial Statement Schedules | 24 |

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|         |  |
| Item 1. | Description of Business |

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|                |
|----------------|
|                |  |  |  |  |  |  |  |  |  |  |  |
|           |   | At March 31, |
| State          |   | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 |
| South Carolina |   | 65 | 65 | 68 | 89 | 92 | 93 | 95 | 97 | 97 | 98 |
| Georgia        |   | 74 | 76 | 74 | 96 | 97 | 100 | 101 | 103 | 105 | 108 |
| Texas          |   | 150 | 164 | 168 | 183 | 204 | 223 | 229 | 247 | 262 | 279 |
| Oklahoma       |   | 47 | 51 | 58 | 62 | 70 | 80 | 82 | 82 | 82 | 82 |
| Louisiana      |   | 20 | 20 | 24 | 28 | 34 | 38 | 38 | 40 | 44 | 47 |
| Tennessee      |   | 51 | 55 | 61 | 72 | 80 | 92 | 95 | 103 | 105 | 105 |
| Illinois       |   | 30 | 33 | 37 | 40 | 58 | 61 | 64 | 68 | 75 | 81 |
| Missouri       |   | 26 | 36 | 38 | 44 | 49 | 57 | 62 | 66 | 72 | 76 |
| New Mexico     |   | 19 | 20 | 22 | 27 | 32 | 37 | 39 | 44 | 44 | 44 |
| Kentucky       |   | 30 | 36 | 41 | 45 | 52 | 58 | 61 | 66 | 70 | 71 |
| Alabama        |   | 14 | 21 | 26 | 31 | 35 | 42 | 44 | 51 | 62 | 64 |
| Colorado (1)   |   | — | 2 | — | — | — | — | — | — | — | — |
| Wisconsin (3)  |   | — | — | — | — | — | — | — | 5 | 14 | 21 |
| Indiana (4)    |   | — | — | — | — | — | — | — | — | — | 8 |
| Mexico (2)     |   | — | — | 3 | 15 | 35 | 63 | 80 | 95 | 105 | 119 |
| Total          |   | 526 | 579 | 620 | 732 | 838 | 944 | 990 | 1,067 | 1,137 | 1,203 |

|     |                                                                                                  |
|-----|--------------------------------------------------------------------------------------------------|
| (1) | The Company commenced operations in Colorado in August 2004 and ceased operations in April 2005. |

|     |                                                               |
|-----|---------------------------------------------------------------|
| (2) | The Company commenced operations in Mexico in September 2005. |

|     |                                                                 |
|-----|-----------------------------------------------------------------|
| (3) | The Company commenced operations in Wisconsin in December 2010. |

|     |                                                                |
|-----|----------------------------------------------------------------|
| (4) | The Company commenced operations in Indiana in September 2012. |

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|        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Low    |   | High |   | US |   | Mexico |   | Total |   | Percentage of totalgross loansreceivable |
| 21     | % |   | 36 | % |   | $ | 259,401,697 |   |   | $ | — |  |   |   | $ | 259,401,697 |   |   | 24.31 | % |
| 37     | % |   | 50 | % |   | 220,261,660 |   |   | 4,127 |   |   |   | 220,265,787 |   |   | 20.64 | % |
| 51     | % |   | 60 | % |   | 139,553,431 |   |   | 130,600 |   |   |   | 139,684,031 |   |   | 13.09 | % |
| 61     | % |   | 70 | % |   | 54,303,748 |   |   | 3,312,904 |   |   |   | 57,616,652 |   |   | 5.40 | % |
| 71     | % |   | 80 | % |   | 33,513,034 |   |   | 12,804,266 |   |   |   | 46,317,300 |   |   | 4.34 | % |
| 81     | % |   | 90 | % |   | 203,928,045 |   |   | 5,374,819 |   |   |   | 209,302,864 |   |   | 19.62 | % |
| 91     | % |   | 100 | % |   | 32,101,282 |   |   | 2,651,548 |   |   |   | 34,752,830 |   |   | 3.26 | % |
| 101    | % |   | 150 | % |   | 29,564,466 |   |   | 61,125,256 |   |   |   | 90,689,722 |   |   | 8.50 | % |
| 151    | % |   | 199 | % |   | 9,020,880 |   |   | — |   |   |   | 9,020,880 |   |   | 0.85 | % |
|   |   |   |   | $ | 981,648,243 |   |   | $ | 85,403,520 |  |   |   | $ | 1,067,051,763 |   |   | 100 | % |

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|                |
|----------------|
|                |  |  |  |  |  |  |
|           | Credit Life | Credit Accidentand Health | Credit Property | Unemployment | Non-filing  Premiums | AutomobileClubMembership |
| Georgia        | X | X | X |   | X | X |
| South Carolina | X | X | X | X | X |   |
| Texas (1)      | X | X | X | X |   | X |
| Oklahoma (1)   | X | X | X | X |   |   |
| Louisiana      | X | X | X |   | X | X |
| Tennessee (1)  | X | X | X | X |   | X |
| Illinois       |   |   |   |   |   |   |
| Missouri       |   |   |   |   |   |   |
| New Mexico (1) | X | X |   |   |   | X |
| Kentucky       | X | X | X | X | X | X |
| Alabama        | X | X | X |   | X | X |
| Wisconsin      |   |   |   |   |   |   |
| Indiana        | X | X | X | X |   | X |

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|                |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|           |   | At March 31, |
| State          |   | 2004 |   | 2005 |   | 2006 |   | 2007 |   | 2008 |   | 2009 |   | 2010 |   | 2011 |   | 2012 |   | 2013 |
| South Carolina |   | 14 | % |   | 12 | % |   | 11 | % |   | 13 | % |   | 12 | % |   | 11 | % |   | 12 | % |   | 12 | % |   | 11 | % |   | 11 | % |
| Georgia        |   | 13 |  |   | 13 |  |   | 13 |  |   | 14 |  |   | 15 |  |   | 14 |  |   | 14 |  |   | 13 |  |   | 13 |  |   | 13 |  |
| Texas          |   | 21 |  |   | 20 |  |   | 24 |  |   | 23 |  |   | 22 |  |   | 21 |  |   | 20 |  |   | 19 |  |   | 19 |  |   | 19 |  |
| Oklahoma       |   | 5 |  |   | 5 |  |   | 6 |  |   | 5 |  |   | 5 |  |   | 6 |  |   | 6 |  |   | 7 |  |   | 6 |  |   | 6 |  |
| Louisiana      |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 2 |  |   | 2 |  |   | 2 |  |   | 2 |  |
| Tennessee      |   | 15 |  |   | 18 |  |   | 15 |  |   | 15 |  |   | 14 |  |   | 14 |  |   | 14 |  |   | 14 |  |   | 14 |  |   | 13 |  |
| Illinois       |   | 5 |  |   | 5 |  |   | 5 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 7 |  |   | 6 |  |
| Missouri       |   | 6 |  |   | 6 |  |   | 6 |  |   | 5 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 6 |  |   | 6 |  |
| New Mexico     |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 2 |  |   | 2 |  |   | 2 |  |
| Kentucky       |   | 12 |  |   | 12 |  |   | 11 |  |   | 9 |  |   | 9 |  |   | 9 |  |   | 9 |  |   | 9 |  |   | 9 |  |   | 9 |  |
| Alabama        |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 3 |  |   | 4 |  |   | 4 |  |   | 4 |  |   | 4 |  |   | 4 |  |
| Wisconsin (2)  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | 1 |  |   | 1 |  |
| Indiana (3)    |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |   | — |  |
| Mexico (1)     |   | — |  |   | — |  |   | — |  |   | 1 |  |   | 2 |  |   | 3 |  |   | 4 |  |   | 6 |  |   | 6 |  |   | 8 |  |
| Total          |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |   | 100 | % |

|     |                                                               |
|-----|---------------------------------------------------------------|
| (1) | The Company commenced operations in Mexico in September 2005. |

|     |                                                                 |
|-----|-----------------------------------------------------------------|
| (2) | The Company commenced operations in Wisconsin in December 2010. |

|     |                                                                |
|-----|----------------------------------------------------------------|
| (3) | The Company commenced operations in Indiana in September 2012. |

|                |
|----------------|
|                |  |  |  |  |  |  |  |
|           | Total Numberof Loans |   | Average Gross Loan Balance |   | Gross Loan Balance (thousands) |
| South Carolina | 83,517 |   | 1,389 |  |   | 116,029 |  |
| Georgia        | 97,224 |   | 1,378 |  |   | 133,989 |  |
| Texas          | 227,303 |   | 896 |  |   | 203,564 |  |
| Oklahoma       | 56,172 |   | 1,194 |  |   | 67,048 |  |
| Louisiana      | 31,857 |   | 800 |  |   | 25,493 |  |
| Tennessee      | 100,968 |   | 1,385 |  |   | 139,828 |  |
| Illinois       | 48,830 |   | 1,403 |  |   | 68,500 |  |
| Missouri       | 44,267 |   | 1,399 |  |   | 61,936 |  |
| New Mexico     | 27,030 |   | 747 |  |   | 20,194 |  |
| Kentucky       | 57,436 |   | 1,586 |  |   | 91,075 |  |
| Alabama        | 48,194 |   | 897 |  |   | 43,238 |  |
| Wisconsin      | 7,000 |   | 1,308 |  |   | 9,155 |  |
| Indiana        | 1,308 |   | 1,223 |  |   | 1,600 |  |
| Mexico         | 126,008 |   | 678 |  |   | 85,403 |  |
| Total          | 957,114 |   | 1,115 |  |   | 1,067,052 |  |

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|                                      |
|--------------------------------------|
|                                      |  |  |
| Name and Age                         | Position | Period of Service as Executive Officer andPre-executive Officer Experience (if an Executive Officer for Less Than Five Years) |
|                                 |   |   |
| A. Alexander McLean, III (61)        | Chief Executive Officer; | Chief Executive Officer since March 2006; |
|                                 | Chairman and Director | Executive Vice President from August 1996 |
|                                 |   | until March 2006; Senior Vice President from |
|                                 |   | July 1992 until August 1996; CFO from June |
|                                 |   | 1989 until March 2006; Director since June |
|                                 |   | 1989; and Chairman since August 2007. |
|                                 |   |   |
| Kelly M. Malson (42)                 | Senior Vice President and | Chief Financial Officer since March 2006; |
|                                 | Chief Financial Officer | Senior Vice President since May 2009; |
|                                 |   | Vice President of Internal Audit from |
|                                 |   | September 2005 to March 2006. |
|                                 |   |   |
| Mark C. Roland (56)                  | President and Chief | President since March 2006; Chief Operating |
|                                 | Operating Officer | Officer since April 2005; Executive Vice |
|                                 | and Director | President from April 2002 to March 2006; |
|                                 |   | Senior Vice President from January 1996 to |
|                                 |   | April 2002; Director from August 2007 |
|                                 |   | until August 2011. |
|                                 |   |   |
| Jeff L. Tinney (50)                  | Senior Vice President, | Senior Vice President, Western Division, since |
|                                 | Western Division | June 2007; Vice President, Operations – Texas |
|                                 |   | and New Mexico from June 2001 to June |
|                                 |   | 2007; Vice President, Operations – Texas and |
|                                 |   | Louisiana from April 1998 to June 2001. |
|                                 |   |   |
| D. Clinton Dyer (40)                 | Senior Vice President, | Senior Vice President, Central Division since |
|                                 | Central Division | June 2005; Vice President, Operations – |
|                                 |   | Tennessee and Kentucky from April 2002 to |
|                                 |   | June 2005. |
|                                 |   |   |
| James D. Walters (45)                | Senior Vice President, | Senior Vice President, Southern Division since |
|                                 | Southern Division | April 2005; Vice President, Operations – |
|                                 |   | South Carolina and Alabama from August 1998 |
|                                 |   | to March 2005. |
|                                 |   |   |
| Francisco Javier Sauza Del Pozo (58) | Senior Vice President, | Senior Vice President, Mexico since May |
|                                 | Mexico | 2008; Vice President of Operations from April |
|                                 |   | 2005 to May 2008; President of Border |
|                                 |   | Consulting Group from July 2004 to March 2005. |

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|          |  |
| Item 1A. | Risk Factors |

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|         |                                                                                                                                                                                                            |
|---------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| • | the prevailing laws and regulatory environment of each state in which we operate or seek to operate, and, to the extent applicable, federal laws and regulations, which are subject to change at any time; |

|         |                                                                                                                   |
|---------|-------------------------------------------------------------------------------------------------------------------|
| • | our ability to obtain and maintain any regulatory approvals, government permits or licenses that may be required; |

|         |                                                                                                  |
|---------|--------------------------------------------------------------------------------------------------|
| • | the degree of competition in new markets and its effect on our ability to attract new customers; |

|         |                                                                       |
|---------|-----------------------------------------------------------------------|
| • | our ability to obtain adequate financing for our expansion plans; and |

|         |                                                                                           |
|---------|-------------------------------------------------------------------------------------------|
| • | our ability to attract, train and retain qualified personnel to staff our new operations. |

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|          |  |
| Item 1B. | Unresolved Staff Comments |

|         |
|---------|
|         |  |
| Item 2. | Properties |

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|         |  |
| Item 3. | Legal Proceedings |

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|         |  |
| Item 4. | Mine Safety Disclosures |

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|         |  |
| Item 5. | Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities |

|                                      |
|--------------------------------------|
|                                      |  |  |  |  |  |  |  |  |  |  |
|                                 | Total Numberof Shares Purchased |   | AveragePrice Paidper Share |   | Total Dollar Valueof SharesPurchased as partof PubliclyAnnounced Plansor Programs |   | ApproximateDollar Value ofShares That MayYet be PurchasedUnder the Plansor Programs |   |
| January 1 through January 31, 2013   | 250,207 |   | 74.21 |  |   | 18,568,492 |   | 15,833,454 |  |   |
| February 1 through February 28, 2013 | 127,213 |   | 77.53 |  |   | 9,862,409 |   | 30,971,045 |  | * |
| March 1 through March 31, 2013       | 174,500 |   | 77.90 |  |   | 13,593,855 |   | 17,377,190 |  |   |
|                                 |   |   |   |   |   |   |   |   |
| Total for the quarter                | 551,920 |   | 76.14 |  |   | 42,024,756 |   |   |   |

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|                              |
|------------------------------|
|                              |  |  |  |  |
| Market Price of Common Stock |
| Fiscal 2013                  |
| Quarter                      |   | High |   | Low |
| First                        |   | 71.09 |   | 57.03 |
| Second                       |   | 79.11 |   | 65.12 |
| Third                        |   | 75.28 |   | 61.00 |
| Fourth                       |   | 87.19 |   | 72.12 |
|                         |   |   |   |   |
| Market Price of Common Stock |
| Fiscal 2012                  |
| Quarter                      |   |   |   |   |
| First                        |   | 68.90 |   | 58.85 |
| Second                       |   | 70.13 |   | 55.65 |
| Third                        |   | 74.48 |   | 53.56 |
| Fourth                       |   | 74.95 |   | 61.18 |

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|          |  |
| Item 10. | Directors, Executive Officers and Corporate Governance |

|          |
|----------|
|          |  |
| Item 11. | Executive Compensation |

|          |
|----------|
|          |  |
| Item 12. | Security Ownership of Certain Beneficial Owners, Management and Related Stockholder Matters |

|          |
|----------|
|          |  |
| Item 13. | Certain Relationships and Related Transactions and Director Independence |

|          |
|----------|
|          |  |
| Item 14. | Principal Accountant Fees and Services |

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|          |  |
| Item 15. | Exhibits and Financial Statement Schedules |

|     |          |
|-----|----------|
| (3) | Exhibits |

|                |
|----------------|
|                |  |  |  |
| Exhibit Number | Description | Filed Herewith (*),Previously filed (+),or Incorporated by Reference Previous Exhibit Number | Company Registration No. or Report |
| 3.1            | Second Amended and Restated Articles of Incorporation of the Company, as amended | 3.1 | 333-107426 |
| 3.2            | Fourth Amended and Restated Bylaws of the Company | 99.1 | 8-03-07 8-K |
| 4.1            | Specimen Share Certificate | 4.1 | 33-42879 |
| 4.2            | Articles 3, 4 and 5 of the Form of Company's Second Amended and Restated Articles of Incorporation (as amended) | 3.1 | 333-107426 |
| 4.3            | Article II, Section 9 of the Company’s Fourth Amended And Restated Bylaws | 99.1 | 8-03-07 8-K |
| 4.4            | Amended and Restated Revolving Credit Agreement, dated September 17, 2010 | 10.1 | 9-21-10 8-K |
| 4.5            | First Amendment to the Amended and Restated Revolving Credit Agreement dated September 17, 2010 | 10.1 | 9-1-11 8-K |
| 4.6            | Second Amendment to the Amended and Restated Revolving Credit Agreement dated September 17, 2010 | 10.1 | 5-1-12 8-K |
| 4.7            | Third Amendment to the Amended and Restated Revolving Credit Agreement dated November 19, 2012 | 10.1 | 11-20-12 8-K |
| 4.8            | Amended and Restated Company Security Agreement, Pledge and Indenture of Trust, dated as of September 17, 2010 | 10.2 | 9-21-10 8-K |
| 4.9            | Amended and Restated Subsidiary Security Agreement, Pledge and Indenture of Trust, dated as of September 17, 2010 (i.e. Subsidiary Security Agreement) | 10.3 | 9-21-10 8-K |
| 4.10           | Amended and Restated Guaranty Agreement, dated as of September 17, 2010 (i.e., Subsidiary Guaranty Agreement) | 10.4 | 9-21-10 8-K |
| 10.1+          | Employment Agreement of A. Alexander McLean, III, effective May 21, 2007 | 10.3 | 2007 10-K |
| 10.2+          | Employment Agreement of Mark C. Roland, effective as of May 21, 2007 | 10.4 | 2007 10-K |
| 10.3+          | Employment Agreement of Kelly M. Malson, effective as of August 27, 2007 | 99.1 | 8-29-07 8-K |
| 10.4+          | Employment Agreement of Javier Sauza, effective as of June 1, 2008 | 10.4 | 2009 10-K |
| 10.5+          | Securityholders' Agreement, dated as of September 19, 1991, between the Company and certain of its securityholders | 10.5 | 33-42879 |
| 10.6+          | Supplemental Income Plan | 10.7 | 2000 10-K |
| 10.7+          | Second Amendment to the Company’s Supplemental Income Plan | 10.2 | 12-31-07 10-Q |
| 10.8+          | Board of Directors Deferred Compensation Plan | 10.6 | 2000 10-K |
| 10.9           | Second Amendment to the Company’s Board of Directors Deferred Compensation Plan (2000) | 10.1 | 12-31-07 10-Q |
| 10.12+         | 2002 Stock Option Plan of the Company | Appendix A | Definitive Proxy |
|           |   |   | Statement on |
|           |   |   | Schedule 14A |
|           |   |   | for the 2002 |
|           |   |   | Annual Meeting |
| 10.13+         | First Amendment to the Company’s 2002 Stock |   |   |
|           | Option Plan | 10.1 | 12-31-07 10-Q |
| 10.14+         | 2005 Stock Option Plan of the Company | Appendix B | Definitive Proxy |
|           |   |   | Statement on |

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|        |
|--------|
|        |  |  |  |
|   |   |   | Schedule 14A |
|   |   |   | for the 2005 |
|   |   |   | Annual Meeting |
| 10.15+ | First Amendment to the Company’s 2005 Stock Option Plan | 10.1 | 12-31-07 10-Q |
| 10.16+ | The Company’s Executive Incentive Plan | 10.6 | 1994 10-K |
| 10.17+ | The Company’s Retirement Savings Plan | 4.1 | 333-14399 |
| 10.18+ | The Company Retirement Savings Plan Fifth Amendment | 10.1 | 12-31-08 10-Q |
| 10.19+ | Executive Deferral Plan | 10.1 | 2001 10-K |
| 10.20+ | Second Amendment to the Company’s Executive Deferral Plan | 10.1 | 12-31-07 10-Q |
| 10.21+ | First Amended and Restated Board of Directors 2005 Deferred Compensation Plan | 10.2 | 12-31-07 10-Q |
| 10.22+ | First Amended and Restated 2005 Executive Deferral Plan | 10.2 | 12-31-07 10-Q |
| 10.23+ | Second Amended and Restated Company 2005 Supplemental Income Plan | 10.2 | 12-31-07 10-Q |
| 10.24+ | 2008 Stock Option Plan of the Company | Appendix A | Definitive Proxy |
|   |   |   | Statement on |
|   |   |   | Schedule 14A |
|   |   |   | for the 2008 |
|   |   |   | Annual Meeting |
| 10.25+ | 2009 Supplemental Income Plan | 10.1 | 6-30-09 10-Q |
| 10.26+ | 2011 Stock Option Plan of the Company | Appendix A | Definitive Proxy |
|   |   |   | Statement on |
|   |   |   | Schedule 14A |
|   |   |   | for the 2011 |
|   |   |   | Annual Meeting |
| 10.27+ | Form of Stock Option Agreement | 99.1 | 12-10-12 8-K |
| 10.28+ | Form of Restricted Stock Award Agreement (Group A) | 99.2 | 12-10-12 8-K |
| 10.29+ | Form of Restricted Stock Award Agreement (Group B) | 99.3 | 12-10-12 8-K |
| 14.0   | Code of Ethics | 14.0 | 2004 10-K |
| 21.0   | Schedule of the Company’s Subsidiaries | * |   |
| 31.1   | Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer | * |   |
| 31.2   | Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer | * |   |

|   |
|---|
|   |  |
| + | Management Contract or other compensatory plan required to be filed under Item 15 of this report and Item 601 of Regulation S-K of the Securities and Exchange Commission. |

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|--------|
|        |  |  |  |
|   | WORLD ACCEPTANCE CORPORATION |
|   |   |   |   |
|   | By: | /s/  A. Alexander McLean III |
|   |   | A. Alexander McLean, III |
|   |   | Chairman and Chief Executive Officer |
|   |   | Date: | June 14, 2013 |

|        |
|--------|
|        |  |  |  |
|   | By: | /s/ Kelly M. Malson |
|   |   | Kelly M. Malson |
|   |   | Senior Vice President and Chief Financial Officer |
|   |   | Date: | June 14, 2013 |

|                                                                                                                 |
|-----------------------------------------------------------------------------------------------------------------|
|                                                                                                                 |  |  |  |  |
| /s/ A. Alexander McLean III                                                                                     |   | /s/ Ken R. Bramlett Jr. |   |
| A. Alexander McLean, III, Chairman of the Board and Chief Executive Officer (Principal Executive Officer)       |   |   | Ken R. Bramlett Jr., Director |   |
|                                                                                                            |   |   |   |   |
| Date:                                                                                                           | June 14, 2013 |   | Date: | June 14, 2013 |
|                                                                                                            |   |   |   |   |
| /s/ Kelly M. Malson                                                                                             |   | /s/ James R. Gilreath |   |
| Kelly M. Malson, Senior Vice President and Chief Financial Officer (Principal Financial and Accounting Officer) |   |   | James R. Gilreath, Director |   |
|                                                                                                            |   |   |   |   |
| Date:                                                                                                           | June 14, 2013 |   | Date: | June 14, 2013 |
|                                                                                                            |   |   |   |   |
| /s/ William S. Hummers                                                                                          |   | /s/ Charles D. Way |   |
| William S. Hummers, III, Director                                                                               |   |   | Charles D. Way, Director |   |
|                                                                                                            |   |   |   |   |
| Date:                                                                                                           | June 14, 2013 |   | Date: | June 14, 2013 |
|                                                                                                            |   |   |   |   |
| /s/ Scott J. Vassalluzzo                                                                                        |   |   | /s/ Darrell Whitaker |   |
| Scott J. Vassalluzzo, Director                                                                                  |   |   | Darrell Whitaker, Director |   |
|                                                                                                            |   |   |   |   |
| Date:                                                                                                           | June 14, 2013 |   | Date: | June 14, 2013 |