Insight Capital S-4 Registration of securities issued in business combination transactions

Exhibit 12.1

COMMUNITY CHOICE FINANCIAL INC.

COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

(Dollars in Thousands)

	Year Ended December 31,											Three Months EndedMarch 31,
	2011		2010		2009		2008			2007		2012
												(unaudited)
Earnings:
Income (loss) before provision (benefit) for income taxes, discontinued operations, and extraordinary item	$	30,406	$	53,226	$	38,311	$	(29,614	)	$	17,919	$	12,3939
Equity investment (income) loss	415		—		—		—			—		(21		)
Total earnings, as adjusted	$	30,821	$	53,226	$	38,311	$	(29,614	)	$	17,919	$	12,3939
Fixed Charges:
Interest Expense	$	32,775	$	8,423	$	11,379	$	16,113		$	18,277	$	10,835
Amortization of deferred financing costs	1,559		78		153		78			144		515
Total fixed charges	$	34,334	$	8,501	$	11,532	$	16,191		$	18,421	$	11,350
Ratio of earnings to fixed charges	0.9		6.3		3.3		—			1.0		1.1

For the periods ended December 31, 2011, 2008 and 2007, the deficiency was $6,946, $47,424 and $2,344, respectively.