A live webcast of the presentation will be available during the
presentation or can be replayed later at the following web address:
http://www.17% of total loans," stated President
Robert H.

Business Editors

NEW YORK----Fitch has assigned a
short-term senior unsecured rating of 'F1' to Countrywide Financial
Corporation's (CFC) $12 billion Section 3(a)(3) commercial paper
obligations.

Title loans are short term loans based on the equity and asset value of whatever title you are putting up for collateral - usually a car title.

are putting

EZCORP Presents at Roth Capital Conference

wsw.73 per share (basic) as
compared to net income of $1,403,000 or $0.18
====== ======
Weighted average shares outstanding:
Basic 2,089 2,080
====== ======
Diluted 2,105 2,101
====== ======

Earnings per share:
Basic $ 0.68
====== ======
Diluted $ 0. Both programs are
unconditionally and irrevocably guaranteed by Countrywide Home Loans,
Inc.

based up

"The Bank continues to produce strong results primarily driven by
our ability to control expenses and expand our balance sheet. At quarter
end, the Bank had no foreclosed property and only three nonperforming
loans representing a minimal 0. The Bank also maintains branch offices in South Hingham and
the neighboring towns of Cohasset, Hull, Scituate, and Weymouth.

whatever based

com/webcast/roth5/ezpw

EZCORP meets the short -term cash needs of the cash and credit constrained
consumer by offering convenient, non-recourse loans collateralized by tangible
personal property, commonly known as pawn loans, and short-term
non-collateralized loans, often referred to as payday loans.
Assets at March 31, 2005 were $562 ,328,000 and represented a 15%
increase over March 31, 2004.58, a 6% increase from March
31, 2004 . Gaughen, Jr.

car asset

----HINGHAM
INSTITUTION FOR SAVINGS (Nasdaq - HIFS), Hingham, Massachusetts,
announced first quarter earnings for 2005.00 par value,
2,500,000 shares authorized;
none issued - -
Common stock, $1.

car short

42% respectively.
Increases in capital were also noted and at March 31, 2005, the
Bank reported book value per share of $21. Equally important, our asset quality remained strong.58 $ 20.

short title

The Bank
originated in excess of $37 ,000,000 in loans in the first quarter of
2005.29
======== ========

HINGHAM INSTITUTION FOR SAVINGS

Consolidated Statements of Income

Three Months Ended
(In Thousands, Except for Per March 31,
Share Amounts) 2005 2004
-----------------------
(Unaudited)

Interest and dividend income:
Loans $6,339 $5,666
Debt securities 567 510
Equity securities 102 49
Short term investments and certificates
of deposit 73 52
------ ------
Total interest and dividend
income 7,081 6,277
------ ------
Interest expense:
Deposits 1,232 976
Borrowed funds 1,333 1,210
------ ------
Total interest expense 2,565 2,186
------ ------
Net interest income 4,516 4 ,091
Provision for loan losses 49 23
------ ------
Net interest income after provision for
loan losses 4,467 4,068
------ ------
Other income:
Customer service fees on deposits 213 191
Gain on sales of securities available for
sale --- 80
Increase in cash value of life insurance 104 126
Other 54 48
------ ------
Total other income 371 445
------ ------
Operating expenses:
Salaries and employee benefits 1,444 1,361
Data processing 196 191
Occupancy and equipment 245 221
Legal --- 8
Other 521 514
------ ------
Total operating expenses 2,406 2,295
------ ------
Income before income taxes 2,432 2,218
Income tax provision 915 815
------ ------
Net income $1,517 $1,403
====== ======

Cash dividends declared per common share
$ 0.

asset loans

Hingham Institution for Savings Announces 8% Increase in Net Income

19 $ 0.72 $ 0.

whatever car

equity up

The Company also
sells merchandise, primarily collateral forfeited from its pawn lending
operations, to consumers looking for good value.42 % 13.

services collateral

68 per share (basic ) for
the same period last year.11% and 13. The Bank's main offices are
located on Main Street , Hingham, Massachusetts 02043, phone (781)
749-2200.

HINGHAM INSTITUTION FOR SAVINGS

Consolidated Balance Sheets

March 31, March 31,
2005 2004
------------- -------------
(Unaudited) ($ in thousands except per
share amounts )
ASSETS

Cash and due from banks $ 6,697 $ 6,367
Short term investments 10,150 14,859
------- - --------
Cash and cash equivalents 16,847 21,226

Certificates of deposit 5,099 4,991
Securities available for sale, at fair
value 85,037 71,406
Federal Home Loan Bank stock, at cost 8,484 7,616
Loans, net of allowance for loan losses
of $3,119,000 in 2005 and $3,015,000 in
2004 427,691 366,140
Cash value of life insurance 11,420 10,984
Banking premises and equipment, net 3,453 3,573
Accrued interest receivable 2,235 1,906
Deferred income tax asset, net 1,583 908
Other assets 479 697
-------- --------
Total assets $562,328 $489,447
======== ========

LIABILITIES AND STOCKHOLDERS' EQUITY

Deposits $353,584 $298,967
Federal Home Loan Bank advances 160,122 144,858
Mortgagors' escrow accounts 1,459 1,333
Accrued interest payable 474 440
Other liabilities 1,576 1,645
-------- --------
Total liabilities 517,215 447,243
-------- --------

Commitments and contingencies

Stockholders' equity:
Preferred stock, $1.

Fitch Assigns Ratings to Countrywide Financial Corp Sr Debt

loans asset

As of December 31, 2004, the
Company operated 280 EZPAWN and 165 EZMONEY Payday Loan stores, 128 of which
adjoin an EZPAWN location. Balance sheet growth was most notable in
the deposit category which increased $54,617,000, or 18%, over the
same period.
The Bank's shares of common stock are listed and traded on The
Nasdaq Stock Market under the symbol HIFS.

asset whatever

Hingham Institution for Savings is a Massachusetts -chartered
savings bank located in Hingham, Massachusetts. Incorporated in 1834,
it is the oldest financial institution headquartered in Hingham and
one of the oldest in the Commonwealth.67
====== ======

Return on average equity 13. Fitch has also assigned a long-term senior unsecured
rating of 'A' to CFC 's issuance of senior unsecured debt obligations
under its $15 billion universal shelf registration .

loans asset

loans based

Net income for the quarter
ended March 31, 2005 was $1,517,000 or $0.

short asset

AUSTIN, Texas, EZCORP , Inc.

car up

(Nasdaq: EZPW) announced today that Joe Rotunda, EZCORP's President and Chief
Executive Officer, and Dan Tonissen, EZCORP's Chief Financial Officer, will
present at the 17th Annual Roth Capital Partners Growth Stock Conference on
February 23, 2005 at 9:30 AM Pacific time.

Business Editors

HINGHAM, Mass. Loans grew to $427,691,000 at March 31, 2005, a 17%
increase over the balance at March 31, 2004.00 par value,
5,000,000 shares
authorized; 2,090,250 and 2,080 ,250
shares issued and
outstanding at March 31, 2005 and
2004, respectively 2,090 2,080
Additional paid-in capital 9,679 9,462
Undivided profits 34,642 30,686
Accumulated other comprehensive (loss) (1,298) (24)
---- ---- --------
Total stockholders' equity 45,113 42,204
-------- --------

Total liabilities and stockholders '
equity $562,328 $489,447
======== ========

Book value per share $ 21.

putting usually

For additional information, contact Dan Tonissen at (512) 314-2289.73 $ 0.43 %
====== ======

up whatever

The annualized Return on Average Assets and Return on Average
Equity for the quarter were 1.