Nicholas Financial 2003 Annual Report

The Story Behind The Cover . . .
The photograph on the cover of this report was of me during an expedition to Antarctica this past January.  I had a wonderful time flying the Nicholas company flag from the halyard of our vessel, the Russian Ice breaker "Ioffe".  I also took the flag with me each time we landed on the Antarctic mainland or on a nearby island.  Nicholas Financial is now well known to several species of Penguins (see below), Whales and Seals, as well as my sixty fellow adventurers.
                                                                       . . . Peter L. Vosotas

Nicholas Financial 2003 Annual Report - back cover

2003 ANNUAL REPORT


CONTENTS


COMPANY PROFILE

FROM THE PRESIDENT

FORM 10-KSB

SHAREHOLDER INFO

PROXY STATEMENT




ANNUAL REPORT LIBRARY

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