0000889609 2012-12-31 0000889609 2011-12-31 0000889609 cpss:CPS2008AMember 2013-12-31 0000889609 cpss:CPS2008AMember 2012-12-31 0000889609 cpss:PageFiveFundingMember 2013-12-31 0000889609 cpss:PageFiveFundingMember 2012-12-31 0000889609 cpss:CPS2011AMember 2013-12-31 0000889609 cpss:CPS2011AMember 2012-12-31 0000889609 cpss:CPS2011BMember 2013-12-31 0000889609 cpss:CPS2011BMember 2012-12-31 0000889609 cpss:CPS2011CMember 2013-12-31 0000889609 cpss:CPS2011CMember 2012-12-31 0000889609 cpss:CPS2012AMember 2013-12-31 0000889609 cpss:CPS2012AMember 2012-12-31 0000889609 cpss:CPS2012BMember 2013-12-31 0000889609 cpss:CPS2012BMember 2012-12-31 0000889609 2012-01-01 2012-12-31 0000889609 cpss:ResidualInterestFinancingMember 2012-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty1Member 2012-12-31 0000889609 cpss:SubordinatedRenewableNotesMember 2012-12-31 0000889609 us-gaap:AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember 2012-01-01 2012-12-31 0000889609 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2012-12-31 0000889609 cpss:ContractualBalanceMember 2012-12-31 0000889609 cpss:ContractualBalanceMember 2013-12-31 0000889609 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2013-12-31 0000889609 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member 2012-12-31 0000889609 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member 2013-12-31 0000889609 us-gaap:SeriesAPreferredStockMember 2012-12-31 0000889609 us-gaap:SeriesAPreferredStockMember 2013-12-31 0000889609 us-gaap:SeriesBPreferredStockMember 2012-12-31 0000889609 us-gaap:SeriesBPreferredStockMember 2013-12-31 0000889609 cpss:CPS2012CMember 2013-12-31 0000889609 cpss:CPS2012CMember 2012-12-31 0000889609 us-gaap:CommonStockMember 2012-01-01 2012-12-31 0000889609 us-gaap:CommonStockMember 2011-12-31 0000889609 us-gaap:CommonStockMember 2012-12-31 0000889609 us-gaap:RetainedEarningsMember 2012-01-01 2012-12-31 0000889609 us-gaap:RetainedEarningsMember 2011-12-31 0000889609 us-gaap:RetainedEarningsMember 2012-12-31 0000889609 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2012-01-01 2012-12-31 0000889609 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-12-31 0000889609 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2012-12-31 0000889609 cpss:CPS2012DMember 2013-12-31 0000889609 cpss:CPS2012DMember 2012-12-31 0000889609 us-gaap:AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember 2012-12-31 0000889609 us-gaap:EquitySecuritiesMember 2012-01-01 2012-12-31 0000889609 us-gaap:DebtSecuritiesMember 2012-01-01 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:CompanyCommonStockMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:CompanyCommonStockMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:CompanyCommonStockMember 2012-12-31 0000889609 cpss:CompanyCommonStockMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:FundamentalValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:FundamentalValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:FundamentalValueMember 2012-12-31 0000889609 cpss:FundamentalValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:MidCapGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:MidCapGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:MidCapGrowthMember 2012-12-31 0000889609 cpss:MidCapGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:FocusValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:FocusValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:FocusValueMember 2012-12-31 0000889609 cpss:FocusValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:SmallCompanyValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:SmallCompanyValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:SmallCompanyValueMember 2012-12-31 0000889609 cpss:SmallCompanyValueMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:GrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:GrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:GrowthMember 2012-12-31 0000889609 cpss:GrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:InternationalGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:InternationalGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:InternationalGrowthMember 2012-12-31 0000889609 cpss:InternationalGrowthMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:CoreBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:CoreBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:CoreBondMember 2012-12-31 0000889609 cpss:CoreBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:InflationProtectedBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:InflationProtectedBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:InflationProtectedBondMember 2012-12-31 0000889609 cpss:InflationProtectedBondMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:MoneyMarketMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:MoneyMarketMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:MoneyMarketMember 2012-12-31 0000889609 cpss:MoneyMarketMember 2012-12-31 0000889609 2013-12-31 0000889609 2013-01-01 2013-12-31 0000889609 cpss:CPS2013AMember 2013-12-31 0000889609 cpss:CPS2013AMember 2012-12-31 0000889609 cpss:ResidualInterestFinancingMember 2013-12-31 0000889609 cpss:ResidualInterestFinancingMember 2013-01-01 2013-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty1Member 2013-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty1Member 2013-01-01 2013-12-31 0000889609 cpss:SubordinatedRenewableNotesMember 2013-12-31 0000889609 cpss:SubordinatedRenewableNotesMember 2013-01-01 2013-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2013-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2013-01-01 2013-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2012-12-31 0000889609 us-gaap:FinanceReceivablesMember 2013-01-01 2013-12-31 0000889609 us-gaap:FinanceReceivablesMember 2012-01-01 2012-12-31 0000889609 us-gaap:FinanceReceivablesMember 2013-12-31 0000889609 us-gaap:FinanceReceivablesMember 2012-12-31 0000889609 cpss:WarrantDerivativeLiabilityMember 2012-01-01 2012-12-31 0000889609 cpss:WarrantDerivativeLiabilityMember 2013-12-31 0000889609 cpss:WarrantDerivativeLiabilityMember 2012-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2013-01-01 2013-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2012-01-01 2012-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2013-12-31 0000889609 cpss:DebtSecuredByReceivablesMeasuredAtFairValueMember 2012-12-31 0000889609 2013-10-22 0000889609 cpss:CPS2013BMember 2013-12-31 0000889609 cpss:CPS2013BMember 2012-12-31 0000889609 cpss:DirectMailRevenuesMember 2013-01-01 2013-12-31 0000889609 cpss:DirectMailRevenuesMember 2012-01-01 2012-12-31 0000889609 cpss:ConvenienceFeeMember 2013-01-01 2013-12-31 0000889609 cpss:ConvenienceFeeMember 2012-01-01 2012-12-31 0000889609 cpss:RecoveriesMember 2013-01-01 2013-12-31 0000889609 cpss:RecoveriesMember 2012-01-01 2012-12-31 0000889609 cpss:SalesTaxRefundsMember 2013-01-01 2013-12-31 0000889609 cpss:SalesTaxRefundsMember 2012-01-01 2012-12-31 0000889609 us-gaap:OtherIncomeMember 2013-01-01 2013-12-31 0000889609 us-gaap:OtherIncomeMember 2012-01-01 2012-12-31 0000889609 cpss:CPS2013CMember 2013-12-31 0000889609 cpss:CPS2013CMember 2012-12-31 0000889609 cpss:ResidualInterestFinancing2Member 2013-01-01 2013-12-31 0000889609 cpss:ResidualInterestFinancing2Member 2013-12-31 0000889609 cpss:ResidualInterestFinancing2Member 2012-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty2Member 2013-01-01 2013-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty2Member 2013-12-31 0000889609 cpss:SeniorSecuredDebtRelatedParty2Member 2012-12-31 0000889609 cpss:CurrentMember 2013-12-31 0000889609 cpss:CurrentMember 2012-12-31 0000889609 cpss:Days31To60Member 2013-12-31 0000889609 cpss:Days31To60Member 2012-12-31 0000889609 cpss:Days61To90Member 2013-12-31 0000889609 cpss:Days61To90Member 2012-12-31 0000889609 cpss:Days91PlusMember 2013-12-31 0000889609 cpss:Days91PlusMember 2012-12-31 0000889609 us-gaap:CommonStockMember 2013-01-01 2013-12-31 0000889609 us-gaap:CommonStockMember 2013-12-31 0000889609 us-gaap:RetainedEarningsMember 2013-01-01 2013-12-31 0000889609 us-gaap:RetainedEarningsMember 2013-12-31 0000889609 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-01-01 2013-12-31 0000889609 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-12-31 0000889609 cpss:CPS2013DMember 2013-12-31 0000889609 cpss:CPS2013DMember 2012-12-31 0000889609 us-gaap:LineOfCreditMember 2013-01-01 2013-12-31 0000889609 us-gaap:LineOfCreditMember 2013-12-31 0000889609 us-gaap:LineOfCreditMember 2012-12-31 0000889609 cpss:WarehouseLineCredit2Member 2013-01-01 2013-12-31 0000889609 cpss:WarehouseLineCredit2Member 2013-12-31 0000889609 cpss:WarehouseLineCredit2Member 2012-12-31 0000889609 cpss:SeniorSecuredDebtRelatedPartyMember 2013-12-31 0000889609 cpss:SubordinatedRenewableNotesMember 2013-12-31 0000889609 cpss:FederalMember 2013-01-01 2013-12-31 0000889609 us-gaap:EquitySecuritiesMember 2013-01-01 2013-12-31 0000889609 us-gaap:DebtSecuritiesMember 2013-01-01 2013-12-31 0000889609 us-gaap:CashAndCashEquivalentsMember 2013-01-01 2013-12-31 0000889609 us-gaap:CashAndCashEquivalentsMember 2012-01-01 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:CompanyCommonStockMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:CompanyCommonStockMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:CompanyCommonStockMember 2013-12-31 0000889609 cpss:CompanyCommonStockMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:FundamentalValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:FundamentalValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:FundamentalValueMember 2013-12-31 0000889609 cpss:FundamentalValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:MidCapGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:MidCapGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:MidCapGrowthMember 2013-12-31 0000889609 cpss:MidCapGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:FocusValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:FocusValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:FocusValueMember 2013-12-31 0000889609 cpss:FocusValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:SmallCompanyValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:SmallCompanyValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:SmallCompanyValueMember 2013-12-31 0000889609 cpss:SmallCompanyValueMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:GrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:GrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:GrowthMember 2013-12-31 0000889609 cpss:GrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:InternationalGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:InternationalGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:InternationalGrowthMember 2013-12-31 0000889609 cpss:InternationalGrowthMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:CoreBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:CoreBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:CoreBondMember 2013-12-31 0000889609 cpss:CoreBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:HighYieldMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:HighYieldMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:HighYieldMember 2013-12-31 0000889609 cpss:HighYieldMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:IncomeMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:IncomeMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:IncomeMember 2012-12-31 0000889609 cpss:IncomeMember 2012-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:InflationProtectedBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:InflationProtectedBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:InflationProtectedBondMember 2013-12-31 0000889609 cpss:InflationProtectedBondMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel1Member cpss:MoneyMarketMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel2Member cpss:MoneyMarketMember 2013-12-31 0000889609 us-gaap:FairValueInputsLevel3Member cpss:MoneyMarketMember 2013-12-31 0000889609 cpss:MoneyMarketMember 2013-12-31 0000889609 us-gaap:AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember 2013-12-31 0000889609 us-gaap:AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember 2013-01-01 2013-12-31 0000889609 2013-06-28 iso4217:USD xbrli:shares iso4217:USD xbrli:shares xbrli:pure 1037620000 1396366000 15051000 21481000 75640000 59215000 9140000 11071000 976309000 1301764000 23281000 19142000 50135000 38559000 792497000 1177559000 21731000 9452000 17785000 24839000 1037620000 1396366000 -5637000 -1095000 1270000 22275000 75000000 75000000 19838913 24015585 19838913 24015585 1 1 1 1 1 1 4998130 5000000 5000000 1870 1870 4998130 0 0 0 0 0 0 0 0 0 0 0 0 0 0 764741000 1125926000 -6384000 -14779000 16925000 21421000 9019000 4663000 5101000 10940000 59668000 14476000 60804000 14786000 13421000 57557000 878000 2206000 253000 710000 234000 332000 0 0 0 0 65678000 73422000 57107000 41365000 0 13117000 59668000 60804000 14786000 14476000 10411000 10411000 0 0 10411000 18670000 0 0 18670000 18670000 4824000 4824000 0 0 4824000 854000 0 0 854000 4824000 854000 854000 59668000 59668000 0 0 59668000 14476000 0 0 14476000 14476000 14476000 59668000 740511000 744749000 0 0 740511000 1115437000 0 0 1100153000 1100153000 104445000 104445000 104445000 0 0 132284000 132284000 0 0 132284000 12966000 12966000 12966000 0 0 22112000 22112000 0 0 22112000 23281000 23281000 0 0 23281000 19142000 0 0 19142000 19142000 50135000 50135000 0 0 50135000 38559000 0 0 38559000 38559000 57107000 57107000 0 0 57107000 13117000 0 0 13117000 13117000 13117000 57107000 13773000 13773000 0 0 13773000 19096000 0 0 19096000 19096000 2795000 2795000 0 0 2795000 2908000 0 0 2908000 2908000 21731000 21731000 0 0 21731000 9452000 0 0 9452000 9452000 5718000 9964000 12102000 24743000 5100000 10900000 1136000 310000 792497000 0 40713000 9358000 21251000 24526000 48368000 44433000 70863000 56271000 88269000 65051000 105485000 86254000 122329000 93006000 135219000 108815000 160000000 1177559000 142842000 0 172499000 0 191504000 0 183000000 0 61311000 -14207000 62466000 65678000 -68138000 1270000 -8535000 -5637000 94602000 73422000 22275000 -1095000 726000 766000 166027000 13773000 50135000 23281000 99366000 0 37128000 19142000 13117000 57107000 19096000 0 1431000 0 9452000 4358000 0 17373000 CONSUMER PORTFOLIO SERVICES INC 0000889609 10-K 2013-12-31 false --12-31 No No Yes Smaller Reporting Company FY 2013 764343000 1155063000 -31443000 -27887000 803290000 792497000 0 0 803290000 1177559000 0 0 1189086000 1189086000 744749000 1115437000 795786000 1182950000 24437296 Oct-14 Jan-18 Apr-18 Sep-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 19527 19839 24016 1206000 1206000 3297000 3297000 632 4177 -435000 -435000 -320 2898000 2898000 4542000 4542000 1307000 1307000 583000 583000 1134000 1134000 3864000 3864000 69408000 69408000 21005000 21005000 4824000 4414000 854000 59668000 160253000 14476000 19594000 10351000 39626000 12966000 10094000 22112000 57107000 166828000 13117000 187208000 255775000 0 10947000 9589000 10405000 7004000 5949000 2965000 2907000 177000 392000 197000 227000 62000 114000 2305000 3093000 175314000 231330000 -60221000 16168000 9187000 37173000 178021000 218602000 543000 437000 2894000 2608000 10665000 13363000 0 7841000 33495000 76869000 79422000 58179000 15429000 16345000 35573000 42960000 2.72 0.67 3.56 0.98 25478 31574 19473 21538 -72306000 -25547000 -6002000 4337000 60640000 -16425000 -5625000 2183000 3979000 8259000 695000 0 410000 0 1134000 3864000 5954000 6803000 543000 437000 -6634000 595000 7113000 -747000 -4579000 -2726000 2296000 1992000 1913000 600000 -4144000 -1421000 -15957000 -20565000 394000 477000 -54783000 27839000 1237000 4246000 0 3970000 111363000 46018000 -295734000 -337095000 551742000 764087000 1206000 3297000 435000 0 7059000 8734000 -11200000 -18852000 121413000 45969000 350981000 382591000 -8111000 5323000 3662000 12279000 2426000 5415000 0 5284000 4957000 1276000 558500000 778000000 2872000 9146000 1139000 2277000 75654000 50663000 1307000 583000 <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Description of Business</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">Consumer Portfolio Services, Inc. (&#34;CPS&#34;) was incorporated in California on March 8, 1991. CPS and its subsidiaries (collectively, the &#34;Company&#34;) specialize in purchasing and servicing retail automobile installment sale contracts (&#34;contracts&#34;) originated by licensed motor vehicle dealers (&#34;Dealers&#34;) located throughout the United States. Dealers located in California, Texas, Pennsylvania, Illinois, Georgia and New Jersey represented 10.6%, 10.0%, 6.0%, 5.2%, 5.1% and 5.1%, respectively, of contracts purchased during 2013 compared with 13.5%, 9.5%, 9.2%, 4.3%, 5.0% and 4.1%, respectively in 2012. No other state had a concentration in excess of 5.0% in 2013. We specialize in contracts with borrowers who generally would not be expected to qualify for traditional financing provided by commercial banks or automobile manufacturers&#146; captive finance companies.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We are subject to various regulations and laws as they relate to the extension of credit in consumer credit transactions. Failure to comply with such laws and regulations could have a material adverse effect on the Company.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Principles of Consolidation</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries (<font style="font-family: Times New Roman, Times, Serif">"</font>SPS<font style="font-family: Times New Roman, Times, Serif">"</font>), formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statements also include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Cash and Cash Equivalents</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For purposes of the statements of cash flows, we consider all highly liquid debt instruments with original maturities of three months or less to be cash equivalents. Cash equivalents consist of cash on hand and due from banks and money market accounts. Substantially all of our cash is deposited at three financial institutions. We maintain cash due from banks in excess of the banks' insured deposit limits. We do not believe we are exposed to any significant credit risk on these deposits. As part of certain financial covenants related to debt facilities, we are required to maintain a minimum unrestricted cash balance. As of December 31, 2013, our unrestricted cash balance was $22.1 million, which exceeded the minimum amounts required by our financial covenants.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Finance Receivables</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Finance receivables, which we have the intent and ability to hold for the foreseeable future or until maturity or payoff, are presented at cost. All finance receivable contracts are held for investment. Interest income is accrued on the unpaid principal balance. Origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the interest method without anticipating prepayments. Generally, payments received on finance receivables are restricted to certain securitized pools, and the related contracts cannot be resold. Finance receivables are charged off pursuant to the controlling documents of certain securitized pools, generally as described below under Charge Off Policy. Management may authorize an extension of payment terms if collection appears likely during the next calendar month.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our portfolio of finance receivables consists of small-balance homogeneous contracts that are collectively evaluated for impairment on a portfolio basis. We report delinquency on a contractual basis. Once a Contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the Contract makes sufficient payments to be less than 90&#160;days delinquent. Any payments received on a Contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Allowance for Finance Credit Losses</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as <font style="font-family: Times New Roman, Times, Serif">"</font>static pooling,<font style="font-family: Times New Roman, Times, Serif">"</font> which stratifies the finance receivable portfolio into separately identified pools based on their period of origination, then uses historical performance of seasoned pools to estimate future losses on current pools. Historical loss experience is adjusted as necessary for current economic conditions. We consider our portfolio of finance receivables to be relatively homogenous and consequently we analyze credit performance primarily in the aggregate rather than stratification by any particular credit quality indicator. Using analytical and formula driven techniques, we estimate an allowance for finance credit losses, which we believe is adequate for probable incurred credit losses that can be reasonably estimated in our portfolio of finance receivable contracts. For each monthly pool of contracts that we purchase, we begin establishing the allowance in the month of acquisition and increase it over the subsequent 11 months, through a provision for credit losses charged to our consolidated statement of operations. Net losses incurred on finance receivables are charged to the allowance. We evaluate the adequacy of the allowance by examining current delinquencies, the characteristics of the portfolio, the value of the underlying collateral and historical loss trends. As conditions change, our level of provisioning and/or allowance may change.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Finance Receivables and Related Debt Measured at Fair Value</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2011, we acquired $217.8 million of finance receivables from Fireside Bank for a purchase price of $201.3 million. The receivables were acquired by our wholly-owned special purpose subsidiary, CPS Fender Receivables, LLC, which issued a note for $197.3 million, with a fair value of $196.5 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-style: normal">The receivables we acquired are pledged as collateral for debt that was structured specifically for the acquisition of this portfolio. Since the Fireside receivables were originated by another entity with its own underwriting guidelines and procedures, we elected to account for the Fireside receivables and the related debt secured by those receivables at their estimated fair values so that changes in fair value will be reflected in our results of operations as they occur. We use our own assumptions about the factors that we believe market participants would use in pricing similar receivables and debt, and are based on the best information available in the circumstances. The valuation method used to estimate fair value may produce a fair value measurement that may not be indicative of ultimate realizable value. Furthermore, while we believe our valuation methods are appropriate and consistent with those used by other market participants, the use of different methods or assumptions to estimate the fair value of certain financial instruments could result in different estimates of fair value. Those estimated values may differ significantly from the values that would have been used had a readily available market for such receivables or debt existed, or had such receivables or debt been liquidated, and those differences could be material to the financial statements. Interest income from the receivables and interest expense on the debt are included in interest income and interest expense, respectively. Changes to the fair value of the receivables and debt are also to be included in interest income and interest expense, respectively.</font></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Charge Off Policy</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Delinquent contracts for which the related financed vehicle has been repossessed are generally charged off at the earliest of (1) the month in which the proceeds from the sale of the financed vehicle are received, (2) the month in which 90 days have passed from the date of repossession or (3) the month in which the Contract becomes seven scheduled payments past due (see Repossessed and Other Assets below). The amount charged off is the remaining principal balance of the Contract, after the application of the net proceeds from the liquidation of the financed vehicle. With respect to delinquent contracts for which the related financed vehicle has not been repossessed, the remaining principal balance is generally charged off no later than the end of the month that the Contract becomes five scheduled payments past due.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Contract Acquisition Fees and Origination Costs</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Upon purchase of a Contract from a Dealer, we generally either charge or advance the Dealer an acquisition fee. Dealer acquisition fees and deferred origination costs are applied to the carrying value of finance receivables and are accreted into earnings as an adjustment to the yield over the estimated life of the Contract using the interest method.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Repossessed and Other Assets</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If a Contract obligor fails to make or keep promises for payments, or if the obligor is uncooperative or attempts to evade contact or hide the vehicle, a supervisor will review the collection activity relating to the account to determine if repossession of the vehicle is warranted. Generally, such a decision is made between the 60th and 90th day past the obligor&#146;s payment due date, but could occur sooner or later, depending on the specific circumstances. At the time the vehicle is repossessed we stop accruing interest on the Contract, and reclassify the remaining Contract balance to the line item "Other assets" on our Consolidated Balance Sheet at its estimated fair value less costs to sell. Included in other assets in the accompanying balance sheets are repossessed vehicles pending sale of $10.0 million and $5.7 million at December 31, 2013 and 2012, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>Treatment of Securitizations</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our term securitization structure has generally been as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We sell contracts we acquire to a wholly-owned special purpose subsidiary (<font style="font-family: Times New Roman, Times, Serif">"</font>SPS<font style="font-family: Times New Roman, Times, Serif">"</font>), which has been established for the limited purpose of buying and reselling our contracts. The SPS then transfers the same contracts to another entity, typically a statutory trust (<font style="font-family: Times New Roman, Times, Serif">"</font>Trust<font style="font-family: Times New Roman, Times, Serif">"</font>). The Trust issues interest-bearing asset-backed securities (<font style="font-family: Times New Roman, Times, Serif">"</font>Notes<font style="font-family: Times New Roman, Times, Serif">"</font>), in a principal amount equal to or less than the aggregate principal balance of the contracts. We typically sell these contracts to the Trust at face value and without recourse, except representations and warranties that we make to the Trust that are similar to those provided to us by the Dealer. One or more investors purchase the Notes issued by the Trust (the <font style="font-family: Times New Roman, Times, Serif">"</font>Noteholders<font style="font-family: Times New Roman, Times, Serif">"</font>); the proceeds from the sale of the Notes are then used to purchase the contracts from us. We may retain or sell subordinated Notes issued by the Trust. In addition, we have provided <font style="font-family: Times New Roman, Times, Serif">"</font>Credit Enhancement<font style="font-family: Times New Roman, Times, Serif">"</font> for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a <font style="font-family: Times New Roman, Times, Serif">"</font>Spread Account<font style="font-family: Times New Roman, Times, Serif">"</font>) held by the Trust, (2)&#160;overcollateralization of the Notes, where the principal balance of the Notes issued is less than the principal balance of the contracts, and (3) in the form of subordinated Notes. The agreements governing the securitization transactions (collectively referred to as the <font style="font-family: Times New Roman, Times, Serif">"</font>Securitization Agreements<font style="font-family: Times New Roman, Times, Serif">"</font>) require that the initial level of Credit Enhancement be supplemented by a portion of collections from the contracts until the level of Credit Enhancement reaches specified levels, which are then maintained. The specified levels are generally computed as a percentage of the principal amount remaining unpaid under the related contracts. The specified levels at which the Credit Enhancement is to be maintained will vary depending on the performance of the portfolios of contracts held by the Trusts and on other conditions. Such levels have increased and decreased from time to time based on performance of the various portfolios, and have also varied by from one Trust to another.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our warehouse securitization structures are similar to the above, except that (i) the SPS that purchases the contracts pledges the contracts to secure promissory notes or loans that it issues, and (ii) no increase in the required amount of Credit Enhancement is contemplated. Upon each sale of contracts in a securitization structured as a secured financing, we retain as assets on our Consolidated Balance Sheet the securitized contracts and record as indebtedness the Notes issued in the transaction.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For all of the securitizations that we have completed since July 2003 (other than the September 2008 and September 2010 securitizations), we have the power to direct the most significant activities of the SPS. In addition, we have the obligation to absorb losses and the rights to receive benefits from the SPS, both of which could be potentially significant to the SPS.&#160; These types of securitization structures are treated as secured financings, in which the receivables remain on our consolidated balance sheet, and the debt issued by the SPS is shown as a securitization trust debt on our consolidated balance sheet</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the September 2008 and September 2010 securitizations and other term securitizations completed prior to July 2003 (which were structured as sales for financial accounting purposes), we removed from our Consolidated Balance Sheet the contracts sold and added to our Consolidated Balance Sheet (i) the cash received, if any, and (ii) the estimated fair value of the ownership interest that we retained in contracts sold in the securitization. That retained or residual interest (the <font style="font-family: Times New Roman, Times, Serif">"</font>Residual<font style="font-family: Times New Roman, Times, Serif">"</font>) consists of (a) the cash held in the Spread Account, if any, (b) overcollateralization, if any, (c) Notes retained, if any, and (d) receivables from the Trust, which include the net interest receivables (<font style="font-family: Times New Roman, Times, Serif">"</font>NIRs<font style="font-family: Times New Roman, Times, Serif">"</font>). NIRs represent the estimated discounted cash flows to be received from the Trust in the future, net of principal and interest payable with respect to the Notes, any premiums paid to the senior Note insurer (a &#147;Note Insurer&#148;), if any, and certain other expenses.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We recognize gains or losses attributable to any changes in the estimated fair value of the Residuals. Gains in fair value are recognized as Other Income and losses are recorded as an impairment loss in the Consolidated Statement of Operations. We are not aware of an active market for the purchase or sale of interests such as the Residuals; accordingly, we determine the estimated fair value of the Residuals by discounting the amount of anticipated cash flows that we estimate will be released to us in the future (the cash out method), using a discount rate that we believe is appropriate for the risks involved. The anticipated cash flows may include collections from both current and charged off receivables. We have used an effective pre-tax discount rate of 20% per annum.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We receive periodic base servicing fees for the servicing and collection of the contracts. In addition, we are entitled to the cash flows from the Trusts that represent collections on the contracts in excess of the amounts required to pay principal and interest on the Notes, the base servicing fees, and the premium paid to the Note Insurer, if any, and certain other fees (such as trustee and custodial fees). Required principal payments on the Notes are generally defined as the payments sufficient to keep the principal balance of the Notes equal to the aggregate principal balance of the related contracts (excluding those contracts that have been charged off), or a pre-determined percentage of such balance. Where that percentage is less than 100%, the related Securitization Agreements require accelerated payment of principal until the principal balance of the Notes is reduced to the specified percentage. Such accelerated principal payment is said to create <font style="font-family: Times New Roman, Times, Serif">"</font>overcollateralization<font style="font-family: Times New Roman, Times, Serif">" </font>of the Notes.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the amount of cash required for payment of fees, interest and principal on the senior Notes exceeds the amount collected during the collection period, the shortfall is generally withdrawn from the Spread Account, if any. If the cash collected during the period exceeds the amount necessary for the above allocations plus required principal payments on the subordinated Notes, if any, and there is no shortfall in the related Spread Account or other form of Credit Enhancement, the excess is released to us. If the total Credit Enhancement amount is not at the required level, then the excess cash collected is retained in the Trust until the specified level is achieved. Cash in the Spread Accounts is restricted from our use. Cash held in the various Spread Accounts is invested in high quality, liquid investment securities, as specified in the Securitization Agreements. In determining the value of the Residuals, we have estimated the future rates of prepayments, delinquencies, defaults, default loss severity, and recovery rates, as all of these factors affect the amount and timing of the estimated cash flows. Our estimates are based on historical performance of comparable contracts.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Following a securitization that is structured as a sale for financial accounting purposes, we recognize interest income on the balance of the Residuals. In addition, we will recognize additional revenue in other income if the actual performance of the contracts related to the Residuals is better than our estimate of the value of the Residual. If the actual performance of the contracts is worse than our estimate, then a reduction to the carrying value of the Residuals and a related impairment charge would be required. In a securitization structured as a secured financing for financial accounting purposes, interest income is recognized when accrued under the terms of the related contracts and, therefore, presents less potential for fluctuations in performance when compared to the approach used in a transaction structured as a sale for financial accounting purposes.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In all of our term securitizations, whether treated as secured financings or as sales, we have transferred the receivables (through a subsidiary) to the securitization Trust. The difference between the two&#160;structures is that in securitizations that are treated as secured financings we report the assets and liabilities of the securitization Trust on our Consolidated Balance Sheet. Under both structures the Noteholders&#146; and the related securitization Trusts&#146; recourse against us for failure of the contract obligors to make payments on a timely basis is limited, in general, to our Finance receivables, Spread Accounts and Residuals.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Servicing</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We consider the contractual servicing fee received on our managed portfolio held by non-consolidated subsidiaries to be equal to adequate compensation. Additionally, we consider that these fees would fairly compensate a substitute servicer, should one be required. As a result, no servicing asset or liability has been recognized. Servicing fees received on the managed portfolio held by non-consolidated subsidiaries are reported as income when earned. Servicing fees received on the managed portfolio held by consolidated subsidiaries are included in interest income when earned. Servicing costs are charged to expense as incurred. Servicing fees receivable, which are included in Other Assets in the accompanying Consolidated Balance Sheets, represent fees earned but not yet remitted to us by the trustee.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Furniture and Equipment</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Furniture and equipment are stated at cost net of accumulated depreciation. We calculate depreciation using the straight-line method over the estimated useful lives of the assets, which range from three to five years. Assets held under capital leases and leasehold improvements are amortized over the lesser of the estimated useful lives of the assets or the related lease terms. Amortization expense on assets acquired under capital lease is included with depreciation expense on owned assets.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Long-lived assets and certain identifiable intangibles are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Other Income</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the primary components of Other Income:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Direct mail revenues</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">7,004</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5,949</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Convenience fees charged to obligors</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,965</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,907</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Recoveries on previously charged-off contracts</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">177</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">392</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Sales tax refunds</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">197</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">227</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">62</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">114</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">10,405</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">9,589</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Earnings Per Share</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table illustrates the computation of basic and diluted earnings per share:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">except per share data)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">21,005</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">69,408</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,538</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,473</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">10,036</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">6,005</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">31,574</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">25,478</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Basic earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.98</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">3.56</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.67</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2.72</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 31.7pt 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Incremental shares of 2.1 million and 979,000 related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2013 and 2012, respectively, because the effect is anti-dilutive.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Deferral and Amortization of Debt Issuance Costs</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Costs related to the issuance of debt are deferred and amortized using the interest method over the contractual or expected term of the related debt.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Income Taxes</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. We estimate a valuation allowance against that portion of the deferred tax asset whose utilization in future periods is not more than likely.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Purchases of Company Stock</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We record purchases of our own common stock at cost and treat the shares as retired.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Option Plan</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We recognize compensation costs in the financial statements for all share-based payments granted subsequent to January 1, 2006 based on the grant date fair value estimated in accordance with the provisions of ASC 718 &#147;Stock Compensation&#148;. Compensation cost is recognized over the required service period, generally defined as the vesting period.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Recently Issued Accounting Standards</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="color: black">In July 2013, the FASB issued ASU 2013-11,<i> </i>which requires a reporting entity to present an unrecognized tax benefit as a liability in the financial statements separate from deferred tax assets if a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available as of the reporting date to settle taxes that would result from the disallowance of the tax position or if a reporting entity does not intend to use the deferred tax asset for such purpose. </font>The amendments in ASU 2013-11 are effective for fiscal years, and interim periods within those years, beginning on or after December 15, 2013.&#160;&#160;We do not expect the adoption of ASU 2013-11 to have a material impact on our consolidated financial statements.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Use of Estimates</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">The preparation of financial statements in conformity with accounting principles generally accepted in the United&#160;States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods. Specifically, a number of estimates were made in connection with determining an appropriate allowance for finance credit losses, determining appropriate reserves for contingent liabilities, valuing finance receivables measured at fair value and the related debt, accreting net acquisition fees, amortizing deferred costs, and recording deferred tax assets and reserves for uncertain tax positions. These are material estimates that could be susceptible to changes in the near term and, accordingly, actual results could differ from those estimates.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Reclassification</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Certain amounts for the prior year have been reclassified to conform to the current year&#146;s presentation with no effect on previously reported earnings or shareholders&#146; equity.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Derivative Financial Instruments</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We do not use derivative financial instruments to hedge exposures to cash flow or market risks. However, from 2008 to 2010, we issued warrants to purchase our common stock in conjunction with various debt financing transactions. At the time of issuance, five of these warrants issued contained "down round," or price reset, features that are subject to classification as liabilities for financial statement purposes. These liabilities were measured at fair value, with the changes in fair value <font style="font-family: Times New Roman, Times, Serif">at the end of each period reflected as current period income or loss. Accordingly, changes to the market price per share of our common stock underlying these warrants with </font>"down round" <font style="font-family: Times New Roman, Times, Serif">features directly affected the fair value computations for these derivative financial instruments. The effect was that any increase in the market price per share of our common stock would also increase the related liability, which in turn would result in a current period loss. Conversely, any decrease in the market price per share of our common stock would also decrease the related liability, which in turn would result in a current period gain. We used a binomial pricing model to compute the fair value of the liabilities associated with the outstanding warrants. In computing the fair value of the warrant liabilities at the end of each period, we used significant judgments with respect to the risk free interest rate, the volatility of our stock price, and the estimated life of the warrants. </font>The warrant liabilities were included in Accounts payable and accrued expenses on our consolidated balance sheets. On March 29, 2012 we agreed with the holders to amend three of the five warrants that contained the &#147;down round&#148; features, removing those specific price reset terms. On the date of the amendment, we valued each of the three warrants using a binomial pricing model as described above. The aggregate value of the three amended warrants of $1.1 million was then reclassified from Accounts payable to Common stock. On June 25, 2012 we agreed with the holder to amend one other warrant that contained the &#147;down round&#148; features, removing those specific price reset terms. The $250,000 aggregate value of this amended warrant was reclassified from Accounts payable to Common stock on the date of the amendment. The fifth warrant with the &#147;down round&#148; feature was exercised on February 22, 2013. The $583,000 intrinsic value of this warrant was reclassified from Accounts payable to Common stock on the date of the exercise. As of December 31, 2013 all five of the warrants issued that previously contained price reset features have either been amended or exercised and are no longer subject to quarterly valuations.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>Financial Covenants </i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>&#160;</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Certain of our securitization transactions, our residual interest financing and our warehouse credit facilities contain various financial covenants requiring certain minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain securitization and non-securitization related debt contain cross-default provisions that would allow certain creditors to declare a default if a default occurred under a different facility. As of December 31, 2013 we were in compliance with all such financial covenants.<b> </b></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><b>&#160;</b></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>Gain on Cancellation of Debt</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>&#160;</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In April 2013, we repurchased the outstanding Class D notes from our first 2008 securitization for a cash payment of $6.1 million and a new 5% note for $5.3 million due in June 2014. The Class D notes were held by the same related party that holds our senior secured debt. On the date we repurchased the Class D notes, the Class D note holder owned 10.5% of our outstanding common stock and warrants to purchase an additional 1.9 million shares of common stock. We subsequently exercised our &#147;clean-up call&#148; option and repurchased the remaining collateral from the related securitization trust. The aggregate value of our consideration for the Class D notes was $10.9 million less than our carrying value of the Class D notes at the time of the repurchase. As a result of the repurchase of the Class D notes and the termination of the securitization trust, we realized a gain of $10.9 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>Provision for Contingent Liabilities</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>&#160;</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">During 2013, we recognized $7.8 million in contingent liability expenses to either record or adjust the amounts we believe we may incur related to various pending litigation. The amount was allocated in part to a long running case we refer to as the Stanwich litigation, and also to more recent matters including two California class action suits where we are the defendant, and a governmental inquiry, in which the United States Federal Trade Commission (&#147;FTC&#148;) has informally proposed that the we refrain from certain allegedly unfair trade practices, and make restitutionary payments into a consumer relief fund. (See Note 13)</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Restricted cash consists of cash and cash equivalent accounts relating to our outstanding securitization trusts and credit facilities. The amount of restricted cash on our consolidated balance sheets was $132.3 million and $104.4 million as of December 31, 2013 and 2012, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our securitization transactions and one of our warehouse credit facilities require that we establish cash reserves, or spread accounts, as additional credit enhancement. These cash reserves, which are included in restricted cash, were $23.3 million and $25.6 million as of December 31, 2013 and 2012, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our portfolio of finance receivables consists of small-balance homogeneous contracts comprising a single segment and class that is collectively evaluated for impairment on a portfolio basis according to delinquency status. Our contract purchase guidelines are designed to produce a homogenous portfolio. We report delinquency on a contractual basis. Once a contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the contract makes sufficient payments to be less than 90&#160;days delinquent. Any payments received on a contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the components of Finance receivables, net of unearned interest:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Automobile finance receivables, net of unearned interest</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,182,950</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">795,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Less: Unearned acquisition fees and discounts</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(27,887</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(31,443</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,155,063</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">764,343</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We consider an automobile contract delinquent when an obligor fails to make at least 90% of a contractually due payment by the following due date, which date may have been extended within limits specified in the servicing agreements. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable. Automobile contracts less than 31 days delinquent are not included. In certain circumstances we will grant obligors one-month payment extensions to assist them with temporary cash flow problems. The only modification of terms is to advance the obligor&#146;s next due date by one month and extend the maturity date of the receivable by one month. In certain limited cases, a two-month extension may be granted. There are no other concessions such as a reduction in interest rate, forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments rather than troubled debt restructurings. The following table summarizes the delinquency status of finance receivables as of December 31, 2013 and 2012:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 80%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><b>December 31,</b></font></td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font: 10pt Times New Roman, Times, Serif"><b>(In thousands)</b></font></td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: center; font: 8pt Times New Roman, Times, Serif">Delinquency Status</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 50%; text-align: justify; font: 8pt Times New Roman, Times, Serif">Current</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,125,926</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">764,741</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">31 - 60 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,421</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,925</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">61 - 90 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,663</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,019</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">91 + days</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">10,940</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">5,101</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">1,182,950</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">795,786</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Finance receivables totaling $10.9 million and $5.1 million at December 31, 2013 and 2012, respectively, have been placed on non-accrual status as a result of their delinquency status.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents a summary of the activity for the allowance for finance credit losses, for the years ended December 31, 2013 and 2012:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">19,594</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">10,351</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Provision for credit losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">76,869</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">33,495</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Charge-offs</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(69,455</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(37,638</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Recoveries</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">12,618</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">13,386</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">39,626</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">19,594</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Excluded from finance receivables are contracts that were previously classified as finance receivables but were reclassified as other assets because we have repossessed the vehicle securing the Contract. The following table presents a summary of such repossessed inventory together with the allowance for losses on repossessed inventory:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross balance of repossessions in inventory</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">24,743</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,102</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">(14,779</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">(6,384</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">9,964</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">5,718</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2011 we purchased approximately $217.8 million of finance receivables from Fireside Bank. These receivables are recorded on our balance sheet at fair value.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the components of Finance receivables measured at fair value and includes $120,000 and $703,000 in repossessed inventory at December 31, 2013 and December 31, 2012, respectively:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables and accrued interest, net of unearned interest</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Less: Fair value adjustment</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(310</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,136</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">14,476</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">59,668</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table summarizes the delinquency status of finance receivables measured at fair value as of December 31, 2013 and December 31, 2012:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 80%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><b>December 31,</b></font></td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font: 10pt Times New Roman, Times, Serif"><b>(In thousands)</b></font></td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">Delinquency Status</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 50%; text-align: justify; font: 8pt Times New Roman, Times, Serif">Current</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">13,421</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">57,556</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">31 - 60 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">878</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,206</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">61 - 90 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">253</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">710</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">91 + days</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">234</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">332</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(5) Residual Interest in Securitizations </i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2008 we completed a structured loan sale in which we retained a residual interest. The remaining receivables from such transaction were re-securitized in September 2010. The residual interest from this transaction was $854,000 and $4.8 million as of December 31, 2013 and 2012, respectively, and was determined using a discounted cash flow model that included estimates for prepayments and losses. The discount rate utilized was 20%. The assumptions utilized were based on our historical performance adjusted for current market conditions.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We have completed numerous term securitization transactions that are structured as secured borrowings for financial accounting purposes. The debt issued in these transactions is shown on our consolidated balance sheets as &#147;Securitization trust debt,&#148; and the components of such debt are summarized in the following table:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Final Scheduled</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Receivables Pledged at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Outstanding Principal at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Outstanding Principal at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted Average Interest Rate at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Payment</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Initial</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Series</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Date (1)</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Principal</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(Dollars in thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 15%; font: 8pt Times New Roman, Times, Serif">CPS 2008-A</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">October 2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">310,359</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">40,713</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">Page Five Funding</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">January 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">11,038</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">46,058</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,358</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,251</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9.37%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">April 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">28,278</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">100,364</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">24,526</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">48,368</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.42%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">44,704</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">109,936</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">44,433</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">70,863</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4.67%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">56,232</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">119,400</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">56,271</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">88,269</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5.01%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">June 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">65,557</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">155,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">65,051</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">105,485</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.56%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">86,555</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">141,500</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">86,254</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">122,329</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.24%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">December 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">93,098</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">147,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">93,006</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">135,219</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.59%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-D</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">111,633</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">160,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">108,815</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">160,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.17%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">June 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">152,575</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">185,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">142,842</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.90%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">179,952</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">205,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">172,499</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.32%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">December 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">194,810</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">205,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">191,504</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.41%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-D (3)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2021</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">117,804</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">183,000</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">183,000</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.19%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,142,236</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,067,617</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,177,559</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">792,497</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 3pt -22pt; text-indent: 22pt">&#160;<i>_________________________</i></p> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(1)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the Trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $445.7 million in 2014, $345.1 million in 2015, $216.6 million in 2016, $117.0 million in 2017, $40.3 million in 2018, and $12.9 million in 2019.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(2)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheet.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(3)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>An additional $63.4 million of receivables were pledged to CPS 2013-D in January 2014. </i></td></tr></table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">All of the securitization trust debt was issued in private placement transactions to qualified institutional investors. The debt was issued by our wholly-owned, bankruptcy remote subsidiaries and is secured by the assets of such subsidiaries, but not by any of our other assets.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The terms of the various securitization agreements related to the issuance of the securitization trust debt require that certain delinquency and credit loss criteria be met with respect to the collateral pool, and require that we maintain minimum levels of liquidity and net worth and not exceed maximum leverage levels. We were in compliance with all such covenants as of December 31, 2013.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We are responsible for the administration and collection of the contracts. The securitization agreements also require certain funds be held in restricted cash accounts to provide additional credit enhancement for the Notes or to be applied to make payments on the securitization trust debt. As of December 31, 2013, restricted cash under the various agreements totaled approximately $132.3 million. This amount includes $63.4 million in pre-funding proceeds related to CPS 2013-D. Interest expense on the securitization trust debt is composed of the stated rate of interest plus amortization of additional costs of borrowing. Additional costs of borrowing include facility fees, insurance premiums, amortization of transaction costs, and amortization of discounts required on the notes at the time of issuance. Deferred financing costs related to the securitization trust debt are amortized using the interest method. Accordingly, the effective cost of borrowing of the securitization trust debt is greater than the stated rate of interest.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our wholly-owned, bankruptcy remote subsidiaries were formed to facilitate the above asset-backed financing transactions. Similar bankruptcy remote subsidiaries issue the debt outstanding under our warehouse line of credit. Bankruptcy remote refers to a legal structure in which it is expected that the applicable entity would not be included in any bankruptcy filing by its parent or affiliates. All of the assets of these subsidiaries have been pledged as collateral for the related debt. All such transactions, treated as secured financings for accounting and tax purposes, are treated as sales for all other purposes, including legal and bankruptcy purposes. None of the assets of these subsidiaries are available to pay any of our other creditors.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i></i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the components of furniture and equipment:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Furniture and fixtures</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,141</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,139</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Computer and telephone equipment</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,094</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,619</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Leasehold improvements</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left"></td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">633</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">633</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,868</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,391</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left"></td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,102</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(4,665</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">766</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">726</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Depreciation expense totaled $437,000 and $543,000 for the years ended December 31, 2013 and 2012, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Common Stock</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Holders of common stock are entitled to such dividends as our Board of Directors, in its discretion, may declare out of funds available, subject to the terms of any outstanding shares of preferred stock and other restrictions. In the event of liquidation of the Company, holders of common stock are entitled to receive, <i>pro rata</i>, all of the assets of the Company available for distribution, after payment of any liquidation preference to the holders of outstanding shares of preferred stock. Holders of the shares of common stock have no conversion or preemptive or other subscription rights and there are no redemption or sinking fund provisions applicable to the common stock.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We are required to comply with various operating and financial covenants defined in the agreements governing the warehouse lines of credit, senior debt, residual interest financing and subordinated debt. The covenants for the senior debt, residual interest financing and subordinated debt restrict the payment of certain distributions, including dividends (See Note 8).</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Purchases</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">At five different times between 2000 and 2011, our Board of Directors has authorized the repurchase of up to $34.5 million of our securities. As of December 31, 2013, we had purchased $5.0 million principal amount of debt securities, and $28.4 million of our common stock, representing 9,800,720 shares. There is approximately $1.0 million remaining under such plans, which have no expiration date.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Options and Warrants</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In 2006, the Company adopted and its shareholders approved the CPS 2006 Long-Term Equity Incentive Plan (the &#147;2006 Plan&#148;) pursuant to which our Board of Directors, or a duly-authorized committee thereof, may grant stock options, restricted stock, restricted stock units and stock appreciation rights to our employees or employees of our subsidiaries, to directors of the Company, and to individuals acting as consultants to the Company or its subsidiaries. In June 2008, May 2012 and again in April 2013, the shareholders of the Company approved an amendment to the 2006 Plan to increase the maximum number of shares that may be subject to awards under the 2006 Plan to 5,000,000, 7,200,000 and 12,200,000, respectively, in each case plus shares authorized under prior plans and not issued. Options that have been granted under the 2006 Plan and a previous plan approved in 1997 have been granted at an exercise price equal to (or greater than) the stock&#146;s fair market value at the date of the grant, with terms generally of 10 years and vesting generally over five years.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The per share weighted-average fair value of stock options granted during the years ended December 31, 2013 and 2012 was $4.79 and $1.15, respectively. That fair value was estimated using the Black-Scholes option pricing model using the weighted average assumptions noted in the following table. We use historical data to estimate the expected term of each option. The volatility estimate is based on the historical volatility of our stock over the period that equals the expected life of the option. Volatility assumptions ranged from 50% to 85% for 2013 and 54% to 82% for 2012. The risk-free interest rate is based on the yield on a U.S. Treasury bond with a maturity comparable to the expected life of the option. The dividend yield is estimated to be zero based on our intention not to issue dividends for the foreseeable future.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected life (years)</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5.41</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5.63</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Risk-free interest rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">0.73%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.32%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Volatility</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">80%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">79%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected dividend yield</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For the year ended December 31, 2013 and 2012, we recorded stock-based compensation costs in the amount of $3.9 million and $1.1 million, respectively. As of December 31, 2013, the unrecognized stock-based compensation costs to be recognized over future periods was equal to $12.5 million. This amount will be recognized as expense over a weighted-average period of 3.5 years.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">At December 31, 2013 and 2012, the options outstanding and exercisable had intrinsic values of $61.6 million and $41.7 million, respectively. The total intrinsic value of options exercised was $8.1 million and $1.2 million for the year ended December 31, 2013 and 2012, respectively. New shares were issued for all options exercised during the year ended December 2013 and cash of $2.1 million was received. A tax benefit of $1.2 million was recorded for the options exercised in 2013. At December 31, 2013, there were a total of 4.0 million additional shares available for grant under the 2006 Plan.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Stock option activity for the year ended December 31, 2013 for stock options under the 2006 and 1997 plans is as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Number of</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Average</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Shares</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Average</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">(in thousands)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Exercise Price</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 49%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options outstanding at the beginning of period</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,652</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1.58</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 15%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Granted</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,040</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">7.43</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Exercised</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,413</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.50</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Forfeited/Expired</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(151</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">4.64</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">10,128</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">3.30</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: center">6.40 years</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">5,777</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2.17</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: center">4.96 years</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The per share weighted average exercise price of stock options granted whose exercise price was equal to the market price of the stock on the grant date during the years ended December 31, 2013 and 2012, was $7.43 and $1.72, respectively. We did not issue any stock options with an exercise price above or below the market price of the stock on the grant date for the years ended December 31, 2013 and 2012.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">On June 30, 2008, we entered into a series of agreements pursuant to which a lender purchased a $10 million five-year, fixed rate, senior secured note from us. In July 2008, in conjunction with the amendment of the residual interest financing as discussed above, the lender purchased an additional $15 million note with substantially the same terms as the $10 million note. Pursuant to the June 30, 2008 securities purchase agreement, we issued to the lender 1,225,000 shares of common stock. In addition, we issued the lender two warrants: (i) warrants that we refer to as the FMV Warrants, which were exercisable for 1,611,114 shares of our common stock, at an exercise price of $1.39818 per share, and (ii) warrants that we refer to as the N Warrants, which were exercisable for 285,781 shares of our common stock, at a nominal exercise price. Both the FMV Warrants and the N Warrants were exercised in November 2013.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In connection with the amendment to and partial repayment of our residual interest financing in July 2008, we issued warrants excercisable for 2,500,000 common shares for $4,071,429. The warrants represent the right to purchase 2,500,000 CPS common shares at a nominal exercise price, at any time prior to July 10, 2018. In March 2010 we repurchased warrants for 500,000 of these shares for $1.0 million. Warrants to purchase 2,000,000 shares remain outstanding as of December 31, 2013.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">A warrant to purchase 1,162,270 shares of our common shares at an exercise price of $0.876 per share, which was issued in connection with our $50 million revolving credit facility established in September 2009, was exercised by the lender in April 2013.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Warrants to purchase 500,000 of our common shares at an exercise price of $1.41 per share were issued to certain note purchasers in our March 2010 $50 million term funding facility. Warrants to purchase 409,390 shares remain outstanding as of December 31, 2013.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the components of interest income:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest on finance receivables</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">231,320</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">174,019</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Residual interest income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">458</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other interest income</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">10</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">837</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest income</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">231,330</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">175,314</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Income taxes consist of the following:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Current federal tax expense</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">977</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">369</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Current state tax expense</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">365</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">49</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Deferred federal tax expense</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,306</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,826</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Deferred state tax expense (benefit)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,520</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(654</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Change in valuation allowance</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(62,811</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Income tax expense (benefit)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,168</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(60,221</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Income tax expense/(benefit) for the years ended December 31, 2013 and 2012 differs from the amount determined by applying the statutory federal rate of 35% to income before income taxes as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expense at federal tax rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">13,011</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3,215</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">State taxes, net of federal income tax effect</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,079</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,190</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other adjustments to tax reserve</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(419</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Effect of change in state tax rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(239</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,105</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Change in valuation allowance</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(62,811</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Stock-based compensation</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">911</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">321</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Non-deductible expenses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">619</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">63</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">206</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">59</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,168</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(60,221</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The tax effected cumulative temporary differences that give rise to deferred tax assets and liabilities as of December 31, 2013 and 2012 are as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="text-align: center; font: 8pt Times New Roman, Times, Serif"><b>(In thousands)</b></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Deferred Tax Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">17,258</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">10,840</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Accrued liabilities</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,079</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,605</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Furniture and equipment</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">196</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">213</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">NOL carryforwards</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,811</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">48,140</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Built in losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,074</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,406</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Pension accrual</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,080</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">AMT credit carryforward</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,993</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">695</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">839</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">712</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total deferred tax assets</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">62,250</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">78,691</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Deferred Tax Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">FAS 91 deferred costs</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,555</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,114</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Pension accrual</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,136</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Investment residual</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(344</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,937</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total deferred tax liabilities</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(3,035</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(3,051</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net deferred tax asset</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">59,215</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">75,640</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We acquired certain net operating losses and built-in loss assets as part of our acquisitions of MFN Financial Corp. (&#147;MFN&#148;) in 2002 and TFC Enterprises, Inc. (&#147;TFC&#148;) in 2003. Moreover, both MFN and TFC have undergone an ownership change for purposes of Internal Revenue Code (&#147;IRC&#148;) Section 382. In general, IRC Section 382 imposes an annual limitation on the ability of a loss corporation (that is, a corporation with a net operating loss (&#147;NOL&#148;) carryforward, credit carryforward, or certain built-in losses (&#147;BILs&#148;)) to utilize its pre-change NOL carryforwards or BILs to offset taxable income arising after an ownership change.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In determining the possible future realization of deferred tax assets, we have considered future taxable income from the following sources: (a) reversal of taxable temporary differences; and (b) tax planning strategies that, if necessary, would be implemented to accelerate taxable income into years in which net operating losses might otherwise expire.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Deferred tax assets are recognized subject to management&#146;s judgment that realization is more likely than not. A valuation allowance is recognized for a deferred tax asset if, based on the weight of the available evidence, it is more likely than not that some portion of the deferred tax asset will not be realized. In making such judgements, significant weight is given to evidence that can be objectively verified. As a result of the unprecedented adverse changes in the market for securitizations, the recession and the resulting high levels of unemployment that occurred in 2008 and 2009, we incurred substantial operating losses from 2009 through 2011 which led us to establish a valuation allowance against a substantial portion of our deferred tax assets. We determined at December 31, 2012 that, based on the weight of the available objective evidence, it was more likely than not that we would generate sufficient future taxable income to utilize our net deferred tax assets. Accordingly, we reversed the related valuation allowance of $62.8 million in the fourth quarter of 2012.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Although realization is not assured, we believe that the realization of the recognized net deferred tax asset of $59.2 million as of December 31, 2013 is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $59.2 million consists of approximately $47.8 million of net U.S. federal deferred tax assets and $11.4 million of net state deferred tax assets. The major components of the deferred tax asset are $36.9 million in net operating loss carryforwards and built in losses and $22.3 million in net deductions which have not yet been taken on a tax return.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">As of December 31, 2013, we had net operating loss carryforwards for federal and state income tax purposes of $48.4 million and $129.8 million, respectively. The federal net operating losses begin to expire in 2022. The state net operating losses begin to expire in 2014.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following is a tabular reconciliation of the total amounts of unrecognized tax benefits including interest and penalties for the year:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized tax benefit - opening balance</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,331</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">2,405</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross increases - tax positions in prior period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross decreases - tax positions in current period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross increases - tax positions in current period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">250</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(686</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Lapse of statute of limitations</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(645</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,171</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized tax benefit - ending balance</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,331</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We recognize a tax position as a benefit only if it is &#147;more likely than not&#148; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#147;more likely than not&#148; test, no tax benefit is recorded. We recognize potential interest and penalties related to unrecognized tax benefits as income tax expense. At December 31, 2013, we had no unrecognized tax benefits for uncertain tax positions.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We are subject to taxation in the US and various state jurisdictions. With few exceptions, we are no longer subject to U.S. federal, state, or local examinations by tax authorities for years before 2010.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In December 2007, one of our directors purchased a $4.0 million subordinated renewable note pursuant to our ongoing program of issuing such notes to the public. The note was purchased through the registered agent and under the same terms and conditions, including the interest rate, that were offered to other purchasers at the time the note was issued. As of December 31, 2013, $4.0 million remains outstanding on this note.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Leases</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Company leases its facilities and certain computer equipment under non-cancelable operating leases, which expire through 2018. Future minimum lease payments at December 31, 2013, under these leases are due during the years ended December 31 as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 60%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Amount</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 43%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3,249</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2015</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,339</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2016</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,898</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2017</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,580</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,228</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; text-align: left; font: 8pt Times New Roman, Times, Serif">Thereafter</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">810</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Total minimum lease payments</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">13,104</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Rent expense for the years ended December 31, 2013 and 2012, was $2.6 million and $2.9 million, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our facility leases contain certain rental concessions and escalating rental payments, which are recognized as adjustments to rental expense and are amortized on a straight-line basis over the terms of the leases.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Litigation</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><i>Stanwich Litigation.</i> We were for some time a defendant in a class action (the &#147;Stanwich Case&#148;) brought in the California Superior Court, Los Angeles County. The original plaintiffs in that case were persons entitled to receive regular payments (the &#147;Settlement Payments&#148;) pursuant to earlier settlements of claims, generally personal injury claims, against unrelated defendants. Stanwich Financial Services Corp. (&#147;Stanwich&#148;), an affiliate of the former chairman of our board of directors, is the entity that was obligated to pay the Settlement Payments. Stanwich defaulted on its payment obligations to the plaintiffs and in June 2001 filed for reorganization under the Bankruptcy Code, in the federal bankruptcy court in Connecticut. By February 2005, we had settled all claims brought against us in the Stanwich Case.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In November 2001, one of the defendants in the Stanwich Case, Jonathan Pardee, asserted claims for indemnity against us in a separate action, which is now pending in federal district court in Rhode Island. We have filed counterclaims in the Rhode Island federal court against Mr. Pardee, and have filed a separate action against Mr. Pardee's Rhode Island attorneys, in the same court. The litigation between Mr. Pardee and us was stayed for several years through September 2011, awaiting resolution of an adversary action brought against Mr. Pardee in the bankruptcy court, which is hearing the bankruptcy of Stanwich.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Pursuant to an agreement with the representative of creditors in the Stanwich bankruptcy, that adversary action<font style="font-family: Times New Roman, Times, Serif"> </font>has been dismissed.&#160;&#160;Under that agreement, we paid the bankruptcy estate $800,000 and abandoned our claims against the estate, while the estate has abandoned its adversary action against Mr. Pardee. With the dismissal of the adversary action, all known claims asserted against Mr. Pardee have been resolved without his incurring any liability. Accordingly, we believe that this resolution of the adversary action will result in limitation of our exposure to Mr.&#160;Pardee to no more than some portion of his attorneys fees incurred. The stay in the action against us in Rhode Island has been lifted, and both we and Mr. Pardee filed motions for summary judgment. The court ruled on those motions in February 2013, denying our motion, and granting Mr. Pardee&#146;s motion as to liability. The issues remaining for trial are the extent of our obligation to indemnify Mr. Pardee. There is no trial date set, but our expectation is that the court may, not earlier than May 2014, set the matter for trial in the latter half of 2014.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt"><i>Consumer Litigation.</i> We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Consumers can and do initiate lawsuits against us alleging violations of law applicable to collection of receivables, and such lawsuits sometimes allege that resolution as a class action is appropriate. We are currently defending two such purported class actions, one of which has been settled by agreement with the plaintiffs (such settlement remains subject to approval by the court). For the most part, we have legal and factual defenses to such claims, which we routinely contest or settle (for immaterial amounts) depending on the particular circumstances of each case. We have recorded a liability as of December 31, 2013 with respect to such matters, in the aggregate.</font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><i>FTC Action</i>. On July 17, 2013, the staff of the Federal Trade Commission (&#147;FTC&#148;) advised us that they are prepared to recommend that the FTC initiate a lawsuit against us relating to allegedly unfair trade practices, and simultaneously advised that settlement of such issues by consent decree may be possible. Based on our review of the FTC&#146;s allegations, of past practices of the FTC, of our records of our collection and servicing activities, and of other companies&#146; settlements with the FTC, we expect that we will reach such a settlement, and that such a settlement will require that we make restitutionary payments and that we implement procedural changes under a consent decree. There can be no assurance, however, that we will reach agreement regarding any such settlement, and we may choose to contest the allegations of the FTC. Whether we reach such an agreement or not, the cost to us of contesting or settling the matter may be material. We have recorded a liability as of December 31, 2013 with respect to this matter.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;<i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><i>In General</i>. There can be no assurance as to the outcomes of any of the matters referenced above. We have recorded a liability as of December 31, 2013, which represents our best estimate of probable incurred losses for legal contingencies, including all of the matters described or referenced above. The amount of losses that may ultimately be incurred cannot be estimated with certainty. However, based on such information as is available to us, we believe that the range of reasonably possible losses for the legal proceedings and contingencies described or referenced above, as of December 31, 2013, and in excess of the liability we have recorded, is from $0 to $1.6 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Accordingly, we believe that the ultimate resolution of such legal proceedings and contingencies, after taking into account our current litigation reserves, should not have a material adverse effect on our consolidated financial condition. We note, however, that in light of the uncertainties inherent in contested proceedings, there can be no assurance that the ultimate resolution of these matters will not significantly exceed the reserves we have accrued; as a result, the outcome of a particular matter may be material to our operating results for a particular period, depending on, among other factors, the size of the loss or liability imposed and the level of our income for that period.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We sponsor a pretax savings and profit sharing plan (the &#147;401(k) Plan&#148;) qualified under Section 401(k) of the Internal Revenue Code. Under the 401(k) Plan, eligible employees are able to contribute up to 15% of their compensation (subject to stricter limitation in the case of highly compensated employees). We may, at our discretion, match 100% of employees&#146; contributions up to $1,500 per employee per calendar year. Our contributions to the 401(k) Plan were $471,000 for the year ended December 31, 2013. We did not make any matching contributions in 2012.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We also sponsor a defined benefit plan, the MFN Financial Corporation Pension Plan (the &#147;Plan&#148;). The Plan benefits were frozen on June 30, 2001.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following tables represents a reconciliation of the change in the plan&#146;s benefit obligations, fair value of plan assets, and funded status at December 31, 2013 and 2012:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Change in Projected Benefit Obligation</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Projected benefit obligation, beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">21,792</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">19,443</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Service cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">823</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">875</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Assumption changes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(2,420</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,332</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Actuarial (gain) loss</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(113</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Benefits paid</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,241</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(860</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Projected benefit obligation, end of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,841</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,792</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Change in Plan Assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fair value of plan assets, beginning of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,612</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,613</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Return on assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">6,009</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,439</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Employer contribution</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">389</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,473</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expenses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(105</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(53</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Benefits paid</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,241</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(860</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Fair value of plan assets, end of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,664</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,612</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#160;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#160;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,823</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt"><b><i>Additional Information</i></b></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Weighted average assumptions used to determine benefit obligations and cost at December 31, 2013 and 2012 were as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December, 31</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Weighted average assumptions used to determine benefit obligations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4.75%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3.91%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Weighted average assumptions used to determine net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.91%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4.60%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected return on plan assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8.25%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8.50%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our overall expected long-term rate of return on assets is 8.25% per annum as of December 31, 2013. The expected long-term rate of return is based on the weighted average of historical returns on individual asset categories, which are described in more detail below.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Amounts recognized on Consolidated Balance Sheet</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other assets</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">2,823</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other liabilities</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,823</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Amounts recognized in accumulated other comprehensive income consists of:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net gain</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,367</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8,953</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized transition asset</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,367</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">8,953</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Components of net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">823</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">875</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected return on assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,335</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(928</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of transition asset</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of net&#160;&#160;loss</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">484</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">680</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(28</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">627</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlement (gain)/loss</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(28</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">627</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Benefit Obligation Recognized in Other Comprehensive Income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net gain</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(7,586</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(2,748</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Prior service cost (credit)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of prior service cost</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized in other comprehensive income</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(7,586</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(2,748</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt">Accumulated Pension Benefit Obligation</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,095</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,637</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">There is no estimated net loss that will be amortized from accumulated other comprehensive income into net periodic benefit cost in 2014.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The weighted average asset allocation of our pension benefits at December 31, 2013 and 2012 were as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Weighted Average Asset Allocation at Year-End</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Asset Category</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Equity securities</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">87%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">83%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Debt securities</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">0%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">1%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: 0pt; font: 8pt Times New Roman, Times, Serif">Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">100%</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">100%</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our investment policies and strategies for the pension benefits plan utilize a target allocation of 75% equity securities and 25% fixed income securities (excluding Company stock). Our investment goals are to maximize returns subject to specific risk management policies. We address risk management and diversification by the use of a professional investment advisor and several sub-advisors which invest in domestic and international equity securities and domestic fixed income securities. Each sub-advisor focuses its investments within a specific sector of the equity or fixed income market. For the sub-advisors focused on the equity markets, the sectors are differentiated by the market capitalization, the relative valuation and the location of the underlying issuer. For the sub-advisors focused on the fixed income markets, the sectors are differentiated by the credit quality and the maturity of the underlying fixed income investment. The investments made by the sub-advisors are readily marketable and can be sold to fund benefit payment obligations as they become payable.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 60%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">Cash Flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">Estimated Future Benefit Payments (In thousands)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 43%; text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">722</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2015</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">816</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2016</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">828</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2017</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">862</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">894</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; text-align: left; font: 8pt Times New Roman, Times, Serif">Years 2019 - 2023</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,075</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Anticipated Contributions in 2014</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">562</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-weight: normal">The fair value of plan assets at December 31, 2013 and 2012, by asset category, is as follows:</font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31, 2013</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1 (1)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3 (3)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Investment Name:</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td><td colspan="13" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font-size: 10pt"><b>(in thousands)</b></font></td><td style="text-align: center; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Company Common Stock</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,319</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,319</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fundamental Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,384</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,384</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mid Cap Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">709</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">709</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Focus Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">692</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">692</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Small Co. Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">693</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">693</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,237</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,237</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">International Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,855</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,855</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Core Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,870</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,870</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">High Yield</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">387</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">387</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Inflation Protected Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">487</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">487</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Money Market</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;&#160;&#160;Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">8,319</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">13,345</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">21,664</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31, 2012</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1 (1)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3 (3)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Investment Name:</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td><td colspan="13" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font-size: 10pt"><b>(in thousands)</b></font></td><td style="text-align: center; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Company Common Stock</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,791</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,791</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fundamental Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,049</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,049</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mid Cap Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">596</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">596</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Focus Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">607</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">607</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Small Co. Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">604</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">604</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,681</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,681</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">International Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,431</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,431</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Core Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,780</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,780</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">363</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">363</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Inflation Protected Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">472</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">472</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Money Market</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">238</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">238</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;&#160;&#160;Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">4,791</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">11,821</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,612</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>________________________</i></p> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(1)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. </i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(2)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(3)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs. </i></td></tr></table> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">ASC 820, "Fair Value Measurements" clarifies the principle that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Under the standard, fair value measurements would be separately disclosed by level within the fair value hierarchy.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">ASC 820 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The three levels are defined as follows: level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets; level 2 &#150; inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and level 3 &#150; inputs to the valuation methodology are unobservable and significant to the fair value measurement.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">At the time of issuance, five warrants issued between 2008 and 2010 in conjunction with various debt financing transactions contained features that make them subject to derivative accounting. We valued these warrants using a binomial valuation model using a weighted average volatility assumption of 41%, weighted average term of 8 years and a risk free rate of 3.3%. On March 29, 2012 we agreed with the holders to amend three of the five warrants to remove the &#147;down round,&#148; or price reset, features that resulted in derivative accounting. On the date of the amendment, we valued each of the three warrants using a binomial pricing model as described above. The aggregate value of the three amended warrants of $1.1 million was then reclassified from Accounts Payable to Common Stock. On June 25, 2012 we agreed with the holder to amend one other warrant that contained the &#147;down round&#148; features to remove those specific price reset terms. The $251,000 aggregate value of this amended warrant was reclassified from Accounts Payable to Common Stock on the date of the amendment. The fifth warrant with the &#147;down round&#148; feature was exercised on February 22, 2013. The $583,000 intrinsic value of this warrant was reclassified from Accounts Payable to Common Stock on the date of the exercise. As of December 31, 2013 all five of the warrants issued that previously contained price reset features have either been amended or exercised and are no longer subject to quarterly valuations.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2008 we sold automobile contracts in a securitization that was structured as a sale for financial accounting purposes. In that sale, we retained both securities and a residual interest in the transaction that are measured at fair value. In September 2010 we took advantage of improvement in the market for asset-backed securities by re-securitizing the underlying receivables from our unrated September 2008 securitization. We also sold the securities retained from the September 2008 transaction. No gain or loss was recorded as a result of the re-securitization transaction described above. We describe below the valuation methodologies we use for the securities retained and the residual interest in the cash flows of the transaction, as well as the general classification of such instruments pursuant to the valuation hierarchy. The residual interest in such securitization is $854,000 as of December 31, 2013 and $4.8 million as of December 31, 2012 and is classified as level 3 in the fair value hierarchy. We determine the value of that residual interest using a discounted cash flow model that includes estimates for prepayments and losses. We used a discount rate of 20% per annum and a cumulative net loss rate of 15% at December 31, 2013 and 14% at December 31, 2012. The assumptions we used are based on historical performance of automobile contracts we have originated and serviced in the past, adjusted for current market conditions.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2011, we acquired $217.8 million of finance receivables from Fireside Bank for a purchase price of $199.6 million. The receivables were acquired by our wholly-owned special purpose subsidiary, CPS Fender Receivables, LLC, which issued a note for $197.3 million, with a fair value of $196.5 million. Since the Fireside receivables were originated by another entity with its own underwriting guidelines and procedures, we have elected to account for the Fireside receivables and the related debt secured by those receivables at their estimated fair values so that changes in fair value will be reflected in our results of operations as they occur. Interest income from the receivables and interest expense on the note are included in interest income and interest expense, respectively. Changes to the fair value of the receivables and debt are included in other income. Our level 3, unobservable inputs reflect our own assumptions about the factors that market participants use in pricing similar receivables and debt, and are based on the best information available in the circumstances. They include such inputs as estimated net charge-offs and timing of the amortization of the portfolio of finance receivables. Our estimate of the fair value of the Fireside receivables is performed on a pool basis, rather than separately on each individual receivable. The table below presents a reconciliation of the acquired finance receivables and related debt measured at fair value on a recurring basis using significant unobservable inputs:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(in thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Finance Receivables Measured at Fair Value:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">160,253</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Payments on finance receivables at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(43,122</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(104,682</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Charge-offs on finance receivables at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(2,896</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(6,681</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Discount accretion</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,421</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,144</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mark to fair value</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(595</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">6,634</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">14,476</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">59,668</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Debt Secured by Finance Receivables Measured at Fair Value:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">166,828</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Principal payments on debt at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(45,969</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(121,413</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Premium accretion</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,726</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,579</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mark to fair value</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(747</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">7,113</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Reduction for payments collected and payable</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,654</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,548</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Adjusted balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">11,463</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">51,559</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The table below compares the fair values of the Fireside receivables and the related secured debt to their contractual balances for the periods shown:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31, 2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31, 2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Contractual</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Fair</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Contractual</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Fair</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Fireside receivables portfolio</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by Fireside receivables portfolio</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">41,365</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The fair value of the debt secured by the Fireside receivables portfolio represents the discounted value of future cash flows that we estimate will become due to the lender in accordance with the terms of our financing for the Fireside portfolio. The terms of the debt provide for the lenders to receive a share of residual cash flows from the underlying receivables after the contractual balance of the debt is repaid and the Company&#146;s investment in the Fireside portfolio is returned.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Repossessed vehicle inventory, which is included in Other assets on our balance sheet, is measured at fair value using level 2 assumptions based on our actual loss experience on sale of repossessed vehicles. At December 31, 2013, the finance receivables related to the repossessed vehicles in inventory totaled $24.7 million. We have applied a valuation adjustment, or loss allowance, of $14.8 million, which is based on a recovery rate of approximately 40%, resulting in an estimated fair value and carrying amount of $10.0 million. The fair value and carrying amount of the repossessed inventory at December 31, 2012 was $5.7 million after applying a valuation adjustment of $6.4 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">There were no transfers in or out of level 1 or level 2 assets and liabilities for 2013 and 2012. We have no level 3 assets that are measured at fair value on a non-recurring basis. The table below presents a reconciliation for level 3 assets measured at fair value on a recurring basis using significant unobservable inputs:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(in thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Residual Interest in Securitizations:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,414</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash received during year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(3,970</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(48</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Included in earnings</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">458</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">854</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">4,824</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Warrant Derivative Liability:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">967</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Included in earnings</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">228</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">695</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Reclassification to equity</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(583</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,307</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">355</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table provides certain qualitative information about our level 3 fair value measurements for assets and liabilities carried at fair value:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; padding-left: -11pt">Financial Instrument</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Values as of</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="3" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Inputs as of</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="3" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Valuation Techniques</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Unobservable Inputs</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22%; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 9%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 9%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 9%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">15.4%</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 9%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.4%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif"></td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Cumulative net losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">5.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">5.5%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Monthly average prepayments</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.0%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif"></td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Cumulative net losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">15.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">13.7%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Monthly average prepayments</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Stock price</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">$5.36/sh</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Warrant derivative liability</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Binomial</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Volatility</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">40.0%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Risk free rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">1.26%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">12.2%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">16.2%</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The estimated fair values of financial assets and liabilities at December 31, 2013 and 2012, were as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As of December 31, 2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: -11pt"><u>Financial Instrument</u></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="10" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; width: 25%; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Restricted cash and equivalents</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables, net</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,115,437</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,100,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,100,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest receivable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warehouse lines of credit</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest payable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest financing</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Securitization trust debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,177,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,189,086</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,189,086</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Senior secured debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Subordinated renewable notes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As of December 31, 2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: -11pt"><u>Financial Instrument</u></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="10" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 25%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Restricted cash and equivalents</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables, net</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">744,749</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">740,511</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">740,511</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest receivable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warrant derivative liability</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warehouse lines of credit</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest payable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest financing</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Securitization trust debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">792,497</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">803,290</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">803,290</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Senior secured debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Subordinated renewable notes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following summary presents a description of the methodologies and assumptions used to estimate the fair value of our financial instruments. Much of the information used to determine fair value is highly subjective. When applicable, readily available market information has been utilized. However, for a significant portion of our financial instruments, active markets do not exist. Therefore, significant elements of judgment were required in estimating fair value for certain items. The subjective factors include, among other things, the estimated timing and amount of cash flows, risk characteristics, credit quality and interest rates, all of which are subject to change. Since the fair value is estimated as of December 31, 2013 and 2012, the amounts that will actually be realized or paid at settlement or maturity of the instruments could be significantly different.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Cash, Cash Equivalents and Restricted Cash and Equivalents </i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The carrying value equals fair value.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Finance Receivables, net</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The fair value of finance receivables is estimated by discounting future cash flows expected to be collected using current rates at which similar receivables could be originated.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Finance Receivables Measured at Fair Value and Debt Secured by Receivables Measured at Fair Value</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The carrying value equals fair value.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Residual Interest in Securitizations</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The fair value is estimated by discounting future cash flows using credit and discount rates that we believe reflect the estimated credit, interest rate and prepayment risks associated with similar types of instruments.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Accrued Interest Receivable and Payable</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The carrying value approximates fair value because the related interest rates are estimated to reflect current market conditions for similar types of instruments.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Warrant Derivative Liability</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The method used to estimate fair value is described above.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Warehouse Lines of Credit, Residual Interest Financing, Senior Secured Debt and Subordinated Renewable Notes</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The carrying value approximates fair value because the related interest rates are estimated to reflect current market conditions for similar types of secured instruments.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Securitization Trust Debt</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The fair value is estimated by discounting future cash flows using interest rates that we believe reflects the current market rates.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Principles of Consolidation</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries (<font style="font-family: Times New Roman, Times, Serif">"</font>SPS<font style="font-family: Times New Roman, Times, Serif">"</font>), formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statements also include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Cash and Cash Equivalents</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For purposes of the statements of cash flows, we consider all highly liquid debt instruments with original maturities of three months or less to be cash equivalents. Cash equivalents consist of cash on hand and due from banks and money market accounts. Substantially all of our cash is deposited at three financial institutions. We maintain cash due from banks in excess of the banks' insured deposit limits. We do not believe we are exposed to any significant credit risk on these deposits. As part of certain financial covenants related to debt facilities, we are required to maintain a minimum unrestricted cash balance. As of December 31, 2013, our unrestricted cash balance was $22.1 million, which exceeded the minimum amounts required by our financial covenants.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Finance Receivables</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Finance receivables, which we have the intent and ability to hold for the foreseeable future or until maturity or payoff, are presented at cost. All finance receivable contracts are held for investment. Interest income is accrued on the unpaid principal balance. Origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the interest method without anticipating prepayments. Generally, payments received on finance receivables are restricted to certain securitized pools, and the related contracts cannot be resold. Finance receivables are charged off pursuant to the controlling documents of certain securitized pools, generally as described below under Charge Off Policy. Management may authorize an extension of payment terms if collection appears likely during the next calendar month.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our portfolio of finance receivables consists of small-balance homogeneous contracts that are collectively evaluated for impairment on a portfolio basis. We report delinquency on a contractual basis. Once a Contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the Contract makes sufficient payments to be less than 90&#160;days delinquent. Any payments received on a Contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Allowance for Finance Credit Losses</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as <font style="font-family: Times New Roman, Times, Serif">"</font>static pooling,<font style="font-family: Times New Roman, Times, Serif">"</font> which stratifies the finance receivable portfolio into separately identified pools based on their period of origination, then uses historical performance of seasoned pools to estimate future losses on current pools. Historical loss experience is adjusted as necessary for current economic conditions. We consider our portfolio of finance receivables to be relatively homogenous and consequently we analyze credit performance primarily in the aggregate rather than stratification by any particular credit quality indicator. Using analytical and formula driven techniques, we estimate an allowance for finance credit losses, which we believe is adequate for probable incurred credit losses that can be reasonably estimated in our portfolio of finance receivable contracts. For each monthly pool of contracts that we purchase, we begin establishing the allowance in the month of acquisition and increase it over the subsequent 11 months, through a provision for credit losses charged to our consolidated statement of operations. Net losses incurred on finance receivables are charged to the allowance. We evaluate the adequacy of the allowance by examining current delinquencies, the characteristics of the portfolio, the value of the underlying collateral and historical loss trends. As conditions change, our level of provisioning and/or allowance may change.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Finance Receivables and Related Debt Measured at Fair Value</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In September 2011, we acquired $217.8 million of finance receivables from Fireside Bank for a purchase price of $201.3 million. The receivables were acquired by our wholly-owned special purpose subsidiary, CPS Fender Receivables, LLC, which issued a note for $197.3 million, with a fair value of $196.5 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-style: normal">The receivables we acquired are pledged as collateral for debt that was structured specifically for the acquisition of this portfolio. Since the Fireside receivables were originated by another entity with its own underwriting guidelines and procedures, we elected to account for the Fireside receivables and the related debt secured by those receivables at their estimated fair values so that changes in fair value will be reflected in our results of operations as they occur. We use our own assumptions about the factors that we believe market participants would use in pricing similar receivables and debt, and are based on the best information available in the circumstances. The valuation method used to estimate fair value may produce a fair value measurement that may not be indicative of ultimate realizable value. Furthermore, while we believe our valuation methods are appropriate and consistent with those used by other market participants, the use of different methods or assumptions to estimate the fair value of certain financial instruments could result in different estimates of fair value. Those estimated values may differ significantly from the values that would have been used had a readily available market for such receivables or debt existed, or had such receivables or debt been liquidated, and those differences could be material to the financial statements. Interest income from the receivables and interest expense on the debt are included in interest income and interest expense, respectively. Changes to the fair value of the receivables and debt are also to be included in interest income and interest expense, respectively.</font></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Charge Off Policy</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Delinquent contracts for which the related financed vehicle has been repossessed are generally charged off at the earliest of (1) the month in which the proceeds from the sale of the financed vehicle are received, (2) the month in which 90 days have passed from the date of repossession or (3) the month in which the Contract becomes seven scheduled payments past due (see Repossessed and Other Assets below). The amount charged off is the remaining principal balance of the Contract, after the application of the net proceeds from the liquidation of the financed vehicle. With respect to delinquent contracts for which the related financed vehicle has not been repossessed, the remaining principal balance is generally charged off no later than the end of the month that the Contract becomes five scheduled payments past due.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Contract Acquisition Fees and Origination Costs</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Upon purchase of a Contract from a Dealer, we generally either charge or advance the Dealer an acquisition fee. Dealer acquisition fees and deferred origination costs are applied to the carrying value of finance receivables and are accreted into earnings as an adjustment to the yield over the estimated life of the Contract using the interest method.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Repossessed and Other Assets</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If a Contract obligor fails to make or keep promises for payments, or if the obligor is uncooperative or attempts to evade contact or hide the vehicle, a supervisor will review the collection activity relating to the account to determine if repossession of the vehicle is warranted. Generally, such a decision is made between the 60th and 90th day past the obligor&#146;s payment due date, but could occur sooner or later, depending on the specific circumstances. At the time the vehicle is repossessed we stop accruing interest on the Contract, and reclassify the remaining Contract balance to the line item "Other assets" on our Consolidated Balance Sheet at its estimated fair value less costs to sell. Included in other assets in the accompanying balance sheets are repossessed vehicles pending sale of $10.0 million and $5.7 million at December 31, 2013 and 2012, respectively.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>Treatment of Securitizations</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our term securitization structure has generally been as follows:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We sell contracts we acquire to a wholly-owned special purpose subsidiary (<font style="font-family: Times New Roman, Times, Serif">"</font>SPS<font style="font-family: Times New Roman, Times, Serif">"</font>), which has been established for the limited purpose of buying and reselling our contracts. The SPS then transfers the same contracts to another entity, typically a statutory trust (<font style="font-family: Times New Roman, Times, Serif">"</font>Trust<font style="font-family: Times New Roman, Times, Serif">"</font>). The Trust issues interest-bearing asset-backed securities (<font style="font-family: Times New Roman, Times, Serif">"</font>Notes<font style="font-family: Times New Roman, Times, Serif">"</font>), in a principal amount equal to or less than the aggregate principal balance of the contracts. We typically sell these contracts to the Trust at face value and without recourse, except representations and warranties that we make to the Trust that are similar to those provided to us by the Dealer. One or more investors purchase the Notes issued by the Trust (the <font style="font-family: Times New Roman, Times, Serif">"</font>Noteholders<font style="font-family: Times New Roman, Times, Serif">"</font>); the proceeds from the sale of the Notes are then used to purchase the contracts from us. We may retain or sell subordinated Notes issued by the Trust. In addition, we have provided <font style="font-family: Times New Roman, Times, Serif">"</font>Credit Enhancement<font style="font-family: Times New Roman, Times, Serif">"</font> for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a <font style="font-family: Times New Roman, Times, Serif">"</font>Spread Account<font style="font-family: Times New Roman, Times, Serif">"</font>) held by the Trust, (2)&#160;overcollateralization of the Notes, where the principal balance of the Notes issued is less than the principal balance of the contracts, and (3) in the form of subordinated Notes. The agreements governing the securitization transactions (collectively referred to as the <font style="font-family: Times New Roman, Times, Serif">"</font>Securitization Agreements<font style="font-family: Times New Roman, Times, Serif">"</font>) require that the initial level of Credit Enhancement be supplemented by a portion of collections from the contracts until the level of Credit Enhancement reaches specified levels, which are then maintained. The specified levels are generally computed as a percentage of the principal amount remaining unpaid under the related contracts. The specified levels at which the Credit Enhancement is to be maintained will vary depending on the performance of the portfolios of contracts held by the Trusts and on other conditions. Such levels have increased and decreased from time to time based on performance of the various portfolios, and have also varied by from one Trust to another.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our warehouse securitization structures are similar to the above, except that (i) the SPS that purchases the contracts pledges the contracts to secure promissory notes or loans that it issues, and (ii) no increase in the required amount of Credit Enhancement is contemplated. Upon each sale of contracts in a securitization structured as a secured financing, we retain as assets on our Consolidated Balance Sheet the securitized contracts and record as indebtedness the Notes issued in the transaction.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For all of the securitizations that we have completed since July 2003 (other than the September 2008 and September 2010 securitizations), we have the power to direct the most significant activities of the SPS. In addition, we have the obligation to absorb losses and the rights to receive benefits from the SPS, both of which could be potentially significant to the SPS.&#160; These types of securitization structures are treated as secured financings, in which the receivables remain on our consolidated balance sheet, and the debt issued by the SPS is shown as a securitization trust debt on our consolidated balance sheet</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the September 2008 and September 2010 securitizations and other term securitizations completed prior to July 2003 (which were structured as sales for financial accounting purposes), we removed from our Consolidated Balance Sheet the contracts sold and added to our Consolidated Balance Sheet (i) the cash received, if any, and (ii) the estimated fair value of the ownership interest that we retained in contracts sold in the securitization. That retained or residual interest (the <font style="font-family: Times New Roman, Times, Serif">"</font>Residual<font style="font-family: Times New Roman, Times, Serif">"</font>) consists of (a) the cash held in the Spread Account, if any, (b) overcollateralization, if any, (c) Notes retained, if any, and (d) receivables from the Trust, which include the net interest receivables (<font style="font-family: Times New Roman, Times, Serif">"</font>NIRs<font style="font-family: Times New Roman, Times, Serif">"</font>). NIRs represent the estimated discounted cash flows to be received from the Trust in the future, net of principal and interest payable with respect to the Notes, any premiums paid to the senior Note insurer (a &#147;Note Insurer&#148;), if any, and certain other expenses.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We recognize gains or losses attributable to any changes in the estimated fair value of the Residuals. Gains in fair value are recognized as Other Income and losses are recorded as an impairment loss in the Consolidated Statement of Operations. We are not aware of an active market for the purchase or sale of interests such as the Residuals; accordingly, we determine the estimated fair value of the Residuals by discounting the amount of anticipated cash flows that we estimate will be released to us in the future (the cash out method), using a discount rate that we believe is appropriate for the risks involved. The anticipated cash flows may include collections from both current and charged off receivables. We have used an effective pre-tax discount rate of 20% per annum.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We receive periodic base servicing fees for the servicing and collection of the contracts. In addition, we are entitled to the cash flows from the Trusts that represent collections on the contracts in excess of the amounts required to pay principal and interest on the Notes, the base servicing fees, and the premium paid to the Note Insurer, if any, and certain other fees (such as trustee and custodial fees). Required principal payments on the Notes are generally defined as the payments sufficient to keep the principal balance of the Notes equal to the aggregate principal balance of the related contracts (excluding those contracts that have been charged off), or a pre-determined percentage of such balance. Where that percentage is less than 100%, the related Securitization Agreements require accelerated payment of principal until the principal balance of the Notes is reduced to the specified percentage. Such accelerated principal payment is said to create <font style="font-family: Times New Roman, Times, Serif">"</font>overcollateralization<font style="font-family: Times New Roman, Times, Serif">" </font>of the Notes.</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the amount of cash required for payment of fees, interest and principal on the senior Notes exceeds the amount collected during the collection period, the shortfall is generally withdrawn from the Spread Account, if any. If the cash collected during the period exceeds the amount necessary for the above allocations plus required principal payments on the subordinated Notes, if any, and there is no shortfall in the related Spread Account or other form of Credit Enhancement, the excess is released to us. If the total Credit Enhancement amount is not at the required level, then the excess cash collected is retained in the Trust until the specified level is achieved. Cash in the Spread Accounts is restricted from our use. Cash held in the various Spread Accounts is invested in high quality, liquid investment securities, as specified in the Securitization Agreements. In determining the value of the Residuals, we have estimated the future rates of prepayments, delinquencies, defaults, default loss severity, and recovery rates, as all of these factors affect the amount and timing of the estimated cash flows. Our estimates are based on historical performance of comparable contracts.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Following a securitization that is structured as a sale for financial accounting purposes, we recognize interest income on the balance of the Residuals. In addition, we will recognize additional revenue in other income if the actual performance of the contracts related to the Residuals is better than our estimate of the value of the Residual. If the actual performance of the contracts is worse than our estimate, then a reduction to the carrying value of the Residuals and a related impairment charge would be required. In a securitization structured as a secured financing for financial accounting purposes, interest income is recognized when accrued under the terms of the related contracts and, therefore, presents less potential for fluctuations in performance when compared to the approach used in a transaction structured as a sale for financial accounting purposes.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In all of our term securitizations, whether treated as secured financings or as sales, we have transferred the receivables (through a subsidiary) to the securitization Trust. The difference between the two&#160;structures is that in securitizations that are treated as secured financings we report the assets and liabilities of the securitization Trust on our Consolidated Balance Sheet. Under both structures the Noteholders&#146; and the related securitization Trusts&#146; recourse against us for failure of the contract obligors to make payments on a timely basis is limited, in general, to our Finance receivables, Spread Accounts and Residuals.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Servicing</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We consider the contractual servicing fee received on our managed portfolio held by non-consolidated subsidiaries to be equal to adequate compensation. Additionally, we consider that these fees would fairly compensate a substitute servicer, should one be required. As a result, no servicing asset or liability has been recognized. Servicing fees received on the managed portfolio held by non-consolidated subsidiaries are reported as income when earned. Servicing fees received on the managed portfolio held by consolidated subsidiaries are included in interest income when earned. Servicing costs are charged to expense as incurred. Servicing fees receivable, which are included in Other Assets in the accompanying Consolidated Balance Sheets, represent fees earned but not yet remitted to us by the trustee.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Furniture and Equipment</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Furniture and equipment are stated at cost net of accumulated depreciation. We calculate depreciation using the straight-line method over the estimated useful lives of the assets, which range from three to five years. Assets held under capital leases and leasehold improvements are amortized over the lesser of the estimated useful lives of the assets or the related lease terms. Amortization expense on assets acquired under capital lease is included with depreciation expense on owned assets.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Long-lived assets and certain identifiable intangibles are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Other Income</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table presents the primary components of Other Income:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Direct mail revenues</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">7,004</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5,949</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Convenience fees charged to obligors</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,965</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,907</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Recoveries on previously charged-off contracts</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">177</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">392</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Sales tax refunds</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">197</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">227</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">62</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">114</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">10,405</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">9,589</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Earnings Per Share</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table illustrates the computation of basic and diluted earnings per share:</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">except per share data)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">21,005</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">69,408</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,538</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,473</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">10,036</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">6,005</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">31,574</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">25,478</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Basic earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.98</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">3.56</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.67</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2.72</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 31.7pt 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Incremental shares of 2.1 million and 979,000 related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2013 and 2012, respectively, because the effect is anti-dilutive.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Deferral and Amortization of Debt Issuance Costs</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Costs related to the issuance of debt are deferred and amortized using the interest method over the contractual or expected term of the related debt.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Income Taxes</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. We estimate a valuation allowance against that portion of the deferred tax asset whose utilization in future periods is not more than likely.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Purchases of Company Stock</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We record purchases of our own common stock at cost and treat the shares as retired.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Option Plan</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We recognize compensation costs in the financial statements for all share-based payments granted subsequent to January 1, 2006 based on the grant date fair value estimated in accordance with the provisions of ASC 718 &#147;Stock Compensation&#148;. Compensation cost is recognized over the required service period, generally defined as the vesting period.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Recently Issued Accounting Standards</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="color: black">In July 2013, the FASB issued ASU 2013-11,<i> </i>which requires a reporting entity to present an unrecognized tax benefit as a liability in the financial statements separate from deferred tax assets if a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available as of the reporting date to settle taxes that would result from the disallowance of the tax position or if a reporting entity does not intend to use the deferred tax asset for such purpose. </font>The amendments in ASU 2013-11 are effective for fiscal years, and interim periods within those years, beginning on or after December 15, 2013.&#160;&#160;We do not expect the adoption of ASU 2013-11 to have a material impact on our consolidated financial statements.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Use of Estimates</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The preparation of financial statements in conformity with accounting principles generally accepted in the United&#160;States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods. Specifically, a number of estimates were made in connection with determining an appropriate allowance for finance credit losses, determining appropriate reserves for contingent liabilities, valuing finance receivables measured at fair value and the related debt, accreting net acquisition fees, amortizing deferred costs, and recording deferred tax assets and reserves for uncertain tax positions. These are material estimates that could be susceptible to changes in the near term and, accordingly, actual results could differ from those estimates.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Reclassification</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Certain amounts for the prior year have been reclassified to conform to the current year&#146;s presentation with no effect on previously reported earnings or shareholders&#146; equity.</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">Derivative Financial Instruments</p> <p style="font: italic 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We do not use derivative financial instruments to hedge exposures to cash flow or market risks. However, from 2008 to 2010, we issued warrants to purchase our common stock in conjunction with various debt financing transactions. At the time of issuance, five of these warrants issued contained "down round," or price reset, features that are subject to classification as liabilities for financial statement purposes. These liabilities were measured at fair value, with the changes in fair value <font style="font-family: Times New Roman, Times, Serif">at the end of each period reflected as current period income or loss. Accordingly, changes to the market price per share of our common stock underlying these warrants with </font>"down round" <font style="font-family: Times New Roman, Times, Serif">features directly affected the fair value computations for these derivative financial instruments. The effect was that any increase in the market price per share of our common stock would also increase the related liability, which in turn would result in a current period loss. Conversely, any decrease in the market price per share of our common stock would also decrease the related liability, which in turn would result in a current period gain. We used a binomial pricing model to compute the fair value of the liabilities associated with the outstanding warrants. In computing the fair value of the warrant liabilities at the end of each period, we used significant judgments with respect to the risk free interest rate, the volatility of our stock price, and the estimated life of the warrants. </font>The warrant liabilities were included in Accounts payable and accrued expenses on our consolidated balance sheets. On March 29, 2012 we agreed with the holders to amend three of the five warrants that contained the &#147;down round&#148; features, removing those specific price reset terms. On the date of the amendment, we valued each of the three warrants using a binomial pricing model as described above. The aggregate value of the three amended warrants of $1.1 million was then reclassified from Accounts payable to Common stock. On June 25, 2012 we agreed with the holder to amend one other warrant that contained the &#147;down round&#148; features, removing those specific price reset terms. The $250,000 aggregate value of this amended warrant was reclassified from Accounts payable to Common stock on the date of the amendment. The fifth warrant with the &#147;down round&#148; feature was exercised on February 22, 2013. The $583,000 intrinsic value of this warrant was reclassified from Accounts payable to Common stock on the date of the exercise. As of December 31, 2013 all five of the warrants issued that previously contained price reset features have either been amended or exercised and are no longer subject to quarterly valuations.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="margin: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0"><i>Financial Covenants </i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">Certain of our securitization transactions, our residual interest financing and our warehouse credit facilities contain various financial covenants requiring certain minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain securitization and non-securitization related debt contain cross-default provisions that would allow certain creditors to declare a default if a default occurred under a different facility. As of December 31, 2013 we were in compliance with all such financial covenants.<b> </b></p> <p style="font: 11pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&#160;</p> <p style="margin: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>Gain on Cancellation of Debt</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>&#160;</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In April 2013, we repurchased the outstanding Class D notes from our first 2008 securitization for a cash payment of $6.1 million and a new 5% note for $5.3 million due in June 2014. The Class D notes were held by the same related party that holds our senior secured debt. On the date we repurchased the Class D notes, the Class D note holder owned 10.5% of our outstanding common stock and warrants to purchase an additional 1.9 million shares of common stock. We subsequently exercised our &#147;clean-up call&#148; option and repurchased the remaining collateral from the related securitization trust. The aggregate value of our consideration for the Class D notes was $10.9 million less than our carrying value of the Class D notes at the time of the repurchase. As a result of the repurchase of the Class D notes and the termination of the securitization trust, we realized a gain of $10.9 million.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>Provision for Contingent Liabilities</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-weight: normal"><i>&#160;</i></font></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">During 2013, we recognized $7.8 million in contingent liability expenses to either record or adjust the amounts we believe we may incur related to various pending litigation. The amount was allocated in part to a long running case we refer to as the Stanwich litigation, and also to more recent matters including two California class action suits where we are the defendant, and a governmental inquiry, in which the United States Federal Trade Commission (&#147;FTC&#148;) has informally proposed that the we refrain from certain allegedly unfair trade practices, and make restitutionary payments into a consumer relief fund. (See Note 13)</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Direct mail revenues</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">7,004</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5,949</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Convenience fees charged to obligors</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,965</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,907</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Recoveries on previously charged-off contracts</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">177</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">392</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Sales tax refunds</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">197</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">227</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">62</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">114</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">10,405</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">9,589</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">except per share data)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">21,005</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 13%; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">69,408</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,538</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,473</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">10,036</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">6,005</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">31,574</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">25,478</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Basic earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.98</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">3.56</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Diluted earnings per share</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">0.67</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2.72</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 31.7pt 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Automobile finance receivables, net of unearned interest</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,182,950</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">795,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Less: Unearned acquisition fees and discounts</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(27,887</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(31,443</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,155,063</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">764,343</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 80%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><b>December 31,</b></font></td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font: 10pt Times New Roman, Times, Serif"><b>(In thousands)</b></font></td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: center; font: 8pt Times New Roman, Times, Serif">Delinquency Status</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 50%; text-align: justify; font: 8pt Times New Roman, Times, Serif">Current</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,125,926</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">764,741</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">31 - 60 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,421</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,925</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">61 - 90 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,663</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,019</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">91 + days</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">10,940</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">5,101</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">1,182,950</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">795,786</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">19,594</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">10,351</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Provision for credit losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif"></td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">76,869</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">33,495</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Charge-offs</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(69,455</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(37,638</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Recoveries</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">12,618</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">13,386</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">39,626</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">19,594</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross balance of repossessions in inventory</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">24,743</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,102</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">(14,779</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">(6,384</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">9,964</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">5,718</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables and accrued interest, net of unearned interest</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Less: Fair value adjustment</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(310</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,136</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">14,476</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">59,668</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 80%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><b>December 31,</b></font></td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td colspan="5" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font: 10pt Times New Roman, Times, Serif"><b>(In thousands)</b></font></td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">Delinquency Status</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 50%; text-align: justify; font: 8pt Times New Roman, Times, Serif">Current</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">13,421</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">57,556</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">31 - 60 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">878</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,206</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; font: 8pt Times New Roman, Times, Serif">61 - 90 days</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">253</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">710</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">91 + days</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">234</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">332</td><td style="text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: justify; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="text-align: left; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Furniture and fixtures</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,141</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,139</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Computer and telephone equipment</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,094</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,619</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Leasehold improvements</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left"></td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">633</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">633</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,868</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,391</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left"></td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,102</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(4,665</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">766</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">726</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Final Scheduled</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Receivables Pledged at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Outstanding Principal at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Outstanding Principal at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted Average Interest Rate at</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Payment</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Initial</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December&#160;31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Series</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Date (1)</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Principal</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(Dollars in thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 15%; font: 8pt Times New Roman, Times, Serif">CPS 2008-A</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">October 2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">310,359</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">40,713</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 10%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">Page Five Funding</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">January 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">11,038</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">46,058</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,358</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,251</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9.37%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">April 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">28,278</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">100,364</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">24,526</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">48,368</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.42%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">44,704</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">109,936</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">44,433</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">70,863</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4.67%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2011-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">56,232</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">119,400</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">56,271</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">88,269</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5.01%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">June 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">65,557</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">155,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">65,051</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">105,485</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.56%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">86,555</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">141,500</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">86,254</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">122,329</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.24%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">December 2019</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">93,098</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">147,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">93,006</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">135,219</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.59%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2012-D</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">111,633</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">160,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">108,815</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">160,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.17%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-A</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">June 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">152,575</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">185,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">142,842</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.90%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-B</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">September 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">179,952</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">205,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">172,499</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.32%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-C</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">December 2020</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">194,810</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">205,000</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">191,504</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.41%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">CPS 2013-D (3)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: right; font: 8pt Times New Roman, Times, Serif">March 2021</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">117,804</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">183,000</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">183,000</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2.19%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,142,236</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,067,617</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,177,559</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">792,497</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 3pt -22pt; text-indent: 22pt">&#160;<i>_________________________</i></p> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(1)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the Trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $445.7 million in 2014, $345.1 million in 2015, $216.6 million in 2016, $117.0 million in 2017, $40.3 million in 2018, and $12.9 million in 2019.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(2)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheet.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 13.5pt; font: 8pt Times New Roman, Times, Serif"><i>(3)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>An additional $63.4 million of receivables were pledged to CPS 2013-D in January 2014. </i></td></tr></table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center">Amount Outstanding at</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="color: black; font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="color: black; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="color: black; text-align: center; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; padding-left: -11pt">Description</td><td style="color: black; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">Interest Rate</td><td style="color: black; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">Maturity</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 19%; color: black; text-align: left; padding-left: 0pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Warehouse lines of credit</td><td style="width: 2%; color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 19%; color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">5.73% over one month Libor (Minimum 6.73%)</td><td style="width: 2%; color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 18%; color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">March 2017</td><td style="width: 2%; color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 16%; color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="width: 1%; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 16%; color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">4,358</td><td style="width: 1%; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">6.00% over one month Libor (Minimum 6.75%)</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">June 2016</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">17,373</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Residual interest financing</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">12.875% over one month Libor</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">September 2013</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">11.75% over one month Libor</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">April 2018</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Repayment is based on payments from underlying receivables.&#160;&#160;Final payment of the 8.00% loan was made in September 2013, with residual payments extending through 2016</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Senior secured debt, related party</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">13.0% and 16.0% at December 31, 2013 and 2012, respectively</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">June 2014</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">37,128</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">5.00%</td><td style="color: black; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">June 2014</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">1,431</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="color: black; text-align: left; padding-left: 0pt; padding-bottom: 1pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Subordinated renewable notes</td><td style="color: black; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Weighted average rate of 12.5% and 14.4% at December 31, 2013 and 2012, respectively</td><td style="color: black; padding-bottom: 1pt; text-align: center; vertical-align: top; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: center; padding-left: 5.4pt; padding-bottom: 1pt; vertical-align: top; font: 8pt Times New Roman, Times, Serif">Weighted average maturity of July 2015 and June 2015 at December 31, 2013 and 2012, respectively</td><td style="color: black; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="color: black; text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="color: black; text-align: left; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; text-align: right; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="color: black; text-align: left; padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; color: black; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; color: black; text-align: right">99,366</td><td style="padding-bottom: 2.5pt; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="color: black; padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; color: black; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; color: black; text-align: right">166,027</td><td style="padding-bottom: 2.5pt; color: black; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Year Ended December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected life (years)</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5.41</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">5.63</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Risk-free interest rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">0.73%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.32%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Volatility</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">80%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">79%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected dividend yield</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Number of</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Weighted</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Average</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Shares</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Average</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">(in thousands)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Exercise Price</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 49%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options outstanding at the beginning of period</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,652</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1.58</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 15%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Granted</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,040</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">7.43</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Exercised</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,413</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1.50</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Forfeited/Expired</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(151</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">4.64</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">10,128</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">3.30</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: center">6.40 years</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">5,777</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2.17</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: center">4.96 years</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest on finance receivables</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">231,320</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">174,019</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Residual interest income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">458</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other interest income</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">10</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">837</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest income</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">231,330</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">175,314</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Current federal tax expense</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">977</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">369</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Current state tax expense</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">365</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">49</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Deferred federal tax expense</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,306</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,826</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Deferred state tax expense (benefit)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,520</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(654</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Change in valuation allowance</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(62,811</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Income tax expense (benefit)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,168</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(60,221</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Year Ended December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expense at federal tax rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">13,011</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3,215</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">State taxes, net of federal income tax effect</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,079</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,190</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other adjustments to tax reserve</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(419</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Effect of change in state tax rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(239</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,105</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Change in valuation allowance</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(62,811</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Stock-based compensation</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">911</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">321</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Non-deductible expenses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">619</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">63</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">206</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">59</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,168</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(60,221</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="text-align: center; font: 8pt Times New Roman, Times, Serif"><b>(In thousands)</b></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Deferred Tax Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">17,258</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">10,840</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Accrued liabilities</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,079</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,605</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Furniture and equipment</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">196</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">213</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">NOL carryforwards</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,811</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">48,140</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Built in losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,074</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,406</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Pension accrual</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,080</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">AMT credit carryforward</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,993</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">695</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">839</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">712</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total deferred tax assets</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">62,250</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">78,691</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Deferred Tax Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">FAS 91 deferred costs</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,555</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,114</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Pension accrual</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,136</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Investment residual</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(344</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,937</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total deferred tax liabilities</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(3,035</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(3,051</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net deferred tax asset</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">59,215</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">75,640</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized tax benefit - opening balance</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">1,331</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">2,405</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross increases - tax positions in prior period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross decreases - tax positions in current period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Gross increases - tax positions in current period</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">250</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(686</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Lapse of statute of limitations</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(645</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,171</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized tax benefit - ending balance</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,331</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 60%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Amount</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 43%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3,249</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2015</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,339</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2016</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,898</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2017</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,580</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,228</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; text-align: left; font: 8pt Times New Roman, Times, Serif">Thereafter</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">810</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Total minimum lease payments</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">13,104</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Change in Projected Benefit Obligation</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Projected benefit obligation, beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">21,792</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">19,443</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Service cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">823</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">875</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Assumption changes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(2,420</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,332</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Actuarial (gain) loss</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(113</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Benefits paid</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,241</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(860</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Projected benefit obligation, end of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,841</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,792</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Change in Plan Assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fair value of plan assets, beginning of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,612</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,613</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Return on assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">6,009</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,439</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Employer contribution</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">389</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,473</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expenses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(105</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(53</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlements</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Benefits paid</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,241</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(860</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Fair value of plan assets, end of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,664</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16,612</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#160;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#160;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,823</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December, 31</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Weighted average assumptions used to determine benefit obligations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4.75%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">3.91%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Weighted average assumptions used to determine net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3.91%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4.60%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected return on plan assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8.25%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8.50%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Amounts recognized on Consolidated Balance Sheet</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other assets</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">2,823</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Other liabilities</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">2,823</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,180</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Amounts recognized in accumulated other comprehensive income consists of:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net gain</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,367</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">8,953</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Unrecognized transition asset</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">1,367</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">8,953</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Components of net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Interest cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">823</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">875</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Expected return on assets</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(1,335</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(928</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of transition asset</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of net&#160;&#160;loss</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">484</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">680</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net periodic benefit cost</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(28</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">627</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Settlement (gain)/loss</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(28</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">627</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Benefit Obligation Recognized in Other Comprehensive Income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Net gain</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(7,586</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(2,748</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Prior service cost (credit)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Amortization of prior service cost</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt; font: 8pt Times New Roman, Times, Serif">Net amount recognized in other comprehensive income</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(7,586</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(2,748</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt">Accumulated Pension Benefit Obligation</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,095</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">(5,637</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 90%; font: 8pt Times New Roman, Times, Serif; margin-left: 0.25in"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Weighted Average Asset Allocation at Year-End</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Asset Category</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 56%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Equity securities</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">87%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">83%</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Debt securities</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">16%</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">0%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">1%</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 11pt; text-indent: 0pt; font: 8pt Times New Roman, Times, Serif">Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">100%</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">100%</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31, 2013</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1 (1)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3 (3)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Investment Name:</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td><td colspan="13" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font-size: 10pt"><b>(in thousands)</b></font></td><td style="text-align: center; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Company Common Stock</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,319</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">8,319</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fundamental Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,384</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,384</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mid Cap Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">709</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">709</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Focus Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">692</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">692</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Small Co. Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">693</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">693</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,237</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">3,237</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">International Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,855</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,855</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Core Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,870</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,870</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">High Yield</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">387</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">387</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Inflation Protected Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">487</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">487</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Money Market</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;&#160;&#160;Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">8,319</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">13,345</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">21,664</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31, 2012</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1 (1)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2 (2)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3 (3)</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Investment Name:</td><td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&#160;</td><td colspan="13" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center"><font style="font-size: 10pt"><b>(in thousands)</b></font></td><td style="text-align: center; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Company Common Stock</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,791</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,791</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Fundamental Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,049</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,049</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Mid Cap Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">596</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">596</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Focus Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">607</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">607</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Small Co. Value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">604</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">604</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,681</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,681</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">International Growth</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,431</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,431</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Core Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,780</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,780</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Income</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">363</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">363</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Inflation Protected Bond</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">472</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">472</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Money Market</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">238</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">238</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;&#160;&#160;Total</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">4,791</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">11,821</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">16,612</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>________________________</i></p> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(1)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. </i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(2)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs.</i></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22.5pt; font: 8pt Times New Roman, Times, Serif"></td><td style="width: 18pt; font: 8pt Times New Roman, Times, Serif"><i>(3)</i></td><td style="font: 8pt Times New Roman, Times, Serif"><i>There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs. </i></td></tr></table> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31, 2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31, 2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Contractual</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Fair</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Contractual</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Fair</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="14" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 32%; text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Fireside receivables portfolio</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,786</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">60,804</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by Fireside receivables portfolio</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">41,365</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31,</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(in thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Residual Interest in Securitizations:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 66%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">4,414</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash received during year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(3,970</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">(48</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Included in earnings</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">458</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">854</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">4,824</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left; padding-left: 0pt">Warrant Derivative Liability:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at beginning of year</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">967</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Included in earnings</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">228</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">695</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Reclassification to equity</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(583</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: left">&#160;</td><td style="border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: right">(1,307</td><td style="padding-bottom: 1pt; text-align: left; font: 8pt Times New Roman, Times, Serif">)</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Balance at end of year</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">&#150;</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 2.5pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 8pt Times New Roman, Times, Serif; text-align: right">355</td><td style="padding-bottom: 2.5pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; padding-left: -11pt">Financial Instrument</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Values as of</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="3" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Inputs as of</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31,</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="3" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Valuation Techniques</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Unobservable Inputs</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2013</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="6" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 22%; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 9%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 9%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 13%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 9%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">15.4%</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 9%; text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.4%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif"></td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Cumulative net losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">5.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">5.5%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Monthly average prepayments</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">20.0%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif"></td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Cumulative net losses</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">15.0%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">13.7%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Monthly average prepayments</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">0.5%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Stock price</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">$5.36/sh</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Warrant derivative liability</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Binomial</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Volatility</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">40.0%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Risk free rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">n/a</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">1.26%</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discounted cash flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">&#160;Discount rate</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">12.2%</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: center; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">16.2%</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As of December 31, 2013</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: -11pt"><u>Financial Instrument</u></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="10" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; width: 25%; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">22,112</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Restricted cash and equivalents</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">132,284</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables, net</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,115,437</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,100,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,100,153</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">14,476</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">854</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest receivable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">18,670</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warehouse lines of credit</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">9,452</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest payable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,908</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest financing</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,096</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,117</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Securitization trust debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,177,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,189,086</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">1,189,086</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Senior secured debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">38,559</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Subordinated renewable notes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">19,142</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;&#160;</p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As of December 31, 2012</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: -11pt"><u>Financial Instrument</u></td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="18" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">(In thousands)</td><td style="font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="10" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: -11pt; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: bold 8pt Times New Roman, Times, Serif; padding-bottom: 1pt">&#160;</td> <td colspan="2" style="font: bold 8pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Assets:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="width: 25%; text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Cash and cash equivalents</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 11%; text-align: right; font: 8pt Times New Roman, Times, Serif">12,966</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Restricted cash and equivalents</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">104,445</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Finance receivables, net</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">744,749</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">740,511</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">740,511</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Finance receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">59,668</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest in securitizations</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">4,824</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest receivable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">10,411</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; padding-left: 0pt">Liabilities:</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warrant derivative liability</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">355</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Warehouse lines of credit</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">21,731</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Accrued interest payable</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">2,795</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Residual interest financing</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">13,773</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Debt secured by receivables measured at fair value</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">57,107</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Securitization trust debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">792,497</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">803,290</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">803,290</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 0pt; font: 8pt Times New Roman, Times, Serif">Senior secured debt</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">50,135</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 11pt; text-indent: -11pt; font: 8pt Times New Roman, Times, Serif">Subordinated renewable notes</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#150;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">23,281</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">&#160;</p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p> <p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p> 6005 10036 13386000 12618000 -37638000 -69455000 -4665000 -5102000 5391000 5868000 633000 633000 3619000 4094000 1139000 1141000 543000 437000 0 11038000 28278000 44704000 56232000 65557000 86555000 93098000 111633000 1142236000 152575000 179952000 194810000 117804000 310359000 46058000 100364000 109936000 119400000 155000000 141500000 147000000 160000000 2067617000 185000000 205000000 205000000 183000000 0.0937 0.0342 0.0467 0.0501 0.0356 0.0324 0.0259 0.0217 0.0190 0.0232 0.0241 0.0219 132300000 12.875% over one month Libor 13.0% and 16.0% at December 31, 2013 and 2012, respectively Weighted average rate of 12.5% and 14.4% at December 31, 2013 and 2012, respectively n/a 11.75% over one month Libor 5.00% 5.73% over one month Libor (Minimum 6.73%) 6.00% over one month Libor (Minimum 6.75%) Sep-13 Jun-14 Weighted average maturity of July 2015 and June 2015 at December 31, 2013 and 2012, respectively Repayment is based on payments from underlying receivables.  Final payment of the 8.00% loan was made in September 2013, with residual payments extending through 2016 Apr-18 Jun-14 Mar-17 Jun-16 76797000 19096000 38559000 19142000 1218000 0 0 1218000 4667000 4103000 0 565000 4512000 4300000 0 212000 4426000 1159000 0 3267000 5682000 3202000 0 2480000 56292000 6333000 38559000 11400000 P5Y7M17D P5Y4M28D 0.79 0.80 0.0132 0.0073 0.00 0.00 8652 10128 -151 -1413 3040 1.58 3.3 4.64 1.5 7.43 5777 2.17 P6Y4M24D P4Y11M16D -62811000 0 -654000 1520000 2826000 13306000 49000 365000 369000 977000 59000 206000 63000 619000 321000 911000 -1105000 -239000 -1153000 -419000 1190000 2079000 3215000 13011000 78691000 62250000 712000 839000 695000 1993000 2080000 0 14406000 13074000 48140000 23811000 213000 196000 1605000 5079000 10840000 17258000 -3051000 -3035000 -1937000 -344000 -1114000 -1555000 0 -1136000 -1171000 -645000 -153000 -686000 250000 0 0 0 0 0 1331000 2405000 0 4000000 810000 1228000 1580000 2898000 3339000 3249000 13104000 2900000 2600000 -860000 -1241000 0 0 2000 -113000 2332000 -2420000 16612000 10613000 0 11821000 0 8319000 13345000 0 4791000 0 0 4791000 0 2049000 0 2049000 0 596000 0 596000 0 607000 0 607000 0 604000 0 604000 0 2681000 0 2681000 0 2431000 0 2431000 0 1780000 0 1780000 0 472000 0 472000 0 238000 0 238000 21664000 8319000 0 0 8319000 0 2384000 0 2384000 0 709000 0 709000 0 692000 0 692000 0 693000 0 693000 0 3237000 0 3237000 0 2855000 0 2855000 0 1870000 0 1870000 0 387000 0 387000 0 363000 0 363000 0 487000 0 487000 0 31000 0 31000 0 0 -53000 -105000 1473000 389000 0.0391 0.0475 .0460 0.0391 .0850 .0825 0 0 -928000 -1335000 0 2823000 -5180000 0 -5180000 2823000 8953000 1367000 0 0 8953000 1367000 -5637000 -1095000 -2748000 -7586000 0 0 -2748000 -7586000 1.00 0.83 0.16 1.00 0.87 0.13 0.00 0.01 5075000 894000 862000 828000 816000 722000 562000 6634000 -595000 4144000 1421000 -6681000 -2896000 -104682000 -43122000 51559000 11463000 -5548000 -1654000 7113000 -747000 4579000 2726000 -121413000 -45969000 458000 0 -48000 -3970000 355000 967000 0 0 355000 -1307000 -583000 695000 228000 Discounted cash flows; Discount rate 20.00%, Cumulative net losses13.70%, Monthly average prepayments 0.50% Discounted cash flows; Discount rate 15.40%, Cumulative net losses 5.00%, Monthly average prepayments 0.50% Discounted cash flows; Discount rate 20.40%, Cumulative net losses, 5.50%, Monthly average prepayments 0.50% Binomial; Stock price $5.36/sh, Volatility 40%, Risk free rate 1.26% Discounted cash flows, Discount rate 12.2% Discounted cash flows, Discount rate 16.2% Discounted cash flows; Discount rate 20.00%, Cumulative net losses 15.00%, Monthly average prepayments 0.50% 47800000 59200000 11400000 36900000 22300000 48400000 129800000 2022-01-01 680000 484000 0 0 <p style="font: 8pt Times New Roman, Times, Serif; margin: 0"><i>Description of Business</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">Consumer Portfolio Services, Inc. (&#34;CPS&#34;) was incorporated in California on March 8, 1991. CPS and its subsidiaries (collectively, the &#34;Company&#34;) specialize in purchasing and servicing retail automobile installment sale contracts (&#34;contracts&#34;) originated by licensed motor vehicle dealers (&#34;Dealers&#34;) located throughout the United States. Dealers located in California, Texas, Pennsylvania, Illinois, Georgia and New Jersey represented 10.6%, 10.0%, 6.0%, 5.2%, 5.1% and 5.1%, respectively, of contracts purchased during 2013 compared with 13.5%, 9.5%, 9.2%, 4.3%, 5.0% and 4.1%, respectively in 2012. No other state had a concentration in excess of 5.0% in 2013. We specialize in contracts with borrowers who generally would not be expected to qualify for traditional financing provided by commercial banks or automobile manufacturers&#146; captive finance companies.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">&#160;</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">We are subject to various regulations and laws as they relate to the extension of credit in consumer credit transactions. Failure to comply with such laws and regulations could have a material adverse effect on the Company.</p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0"><i>Principles of Consolidation</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><i>&#160;</i></p> <p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries (&#34;SPS&#34;), formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statements also include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation.</p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">The terms of our debt outstanding at December 31, 2013 and 2012 are summarized below:</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"><font style="font-size: 8pt">&#160;</font></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td> <td colspan="6" style="color: black; font-weight: bold; text-align: center"><font style="font-size: 8pt">Amount Outstanding at</font></td><td style="color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="color: black; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">December 31,</font></td><td style="padding-bottom: 1pt; color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="color: black; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">December 31,</font></td><td style="padding-bottom: 1pt; color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="color: black; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">2013</font></td><td style="padding-bottom: 1pt; color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="color: black; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">2012</font></td><td style="padding-bottom: 1pt; color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td style="color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td> <td colspan="6" style="color: black; font-weight: bold; text-align: center"><font style="font-size: 8pt">(In thousands)</font></td><td style="color: black; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="color: black; text-align: center; border-bottom: Black 1pt solid; padding-left: -11pt"><font style="font-size: 8pt">Description</font></td><td style="color: black; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Interest Rate</font></td><td style="color: black; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Maturity</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td colspan="2"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td colspan="2"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 19%; color: black; text-align: left; padding-left: 0pt; vertical-align: top"><font style="font-size: 8pt">Warehouse lines of credit</font></td><td style="width: 2%; color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 19%; color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">5.73% over one month Libor (Minimum 6.73%)</font></td><td style="width: 2%; color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 18%; color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">March 2017</font></td><td style="width: 2%; color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; color: black; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 16%; color: black; text-align: right"><font style="font-size: 8pt">9,452</font></td><td style="width: 1%; color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="width: 2%; color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; color: black; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 16%; color: black; text-align: right"><font style="font-size: 8pt">4,358</font></td><td style="width: 1%; color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">6.00% over one month Libor (Minimum 6.75%)</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">June 2016</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">17,373</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top"><font style="font-size: 8pt">Residual interest financing</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">12.875% over one month Libor</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">September 2013</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">13,773</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">11.75% over one month Libor</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">April 2018</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">19,096</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top"><font style="font-size: 8pt">Debt secured by receivables measured at fair value</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">n/a</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">Repayment is based on payments from underlying receivables.&#160;&#160;Final payment of the 8.00% loan was made in September 2013, with residual payments extending through 2016</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">13,117</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">57,107</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: black; text-align: left; padding-left: 0pt; vertical-align: top"><font style="font-size: 8pt">Senior secured debt, related party</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">13.0% and 16.0% at December 31, 2013 and 2012, respectively</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">June 2014</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">37,128</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">50,135</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">5.00%</font></td><td style="color: black; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">June 2014</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">1,431</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt; text-align: left; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-left: 5.4pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: black; text-align: left; padding-left: 0pt; padding-bottom: 1pt; vertical-align: top"><font style="font-size: 8pt">Subordinated renewable notes</font></td><td style="color: black; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; vertical-align: top"><font style="font-size: 8pt">Weighted average rate of 12.5% and 14.4% at December 31, 2013 and 2012, respectively</font></td><td style="color: black; padding-bottom: 1pt; text-align: center; vertical-align: top"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: center; padding-left: 5.4pt; padding-bottom: 1pt; vertical-align: top"><font style="font-size: 8pt">Weighted average maturity of July 2015 and June 2015 at December 31, 2013 and 2012, respectively</font></td><td style="color: black; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left; border-bottom: Black 1pt solid"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right; border-bottom: Black 1pt solid"><font style="font-size: 8pt">19,142</font></td><td style="color: black; text-align: left; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="color: black; text-align: left; border-bottom: Black 1pt solid"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; text-align: right; border-bottom: Black 1pt solid"><font style="font-size: 8pt">23,281</font></td><td style="color: black; text-align: left; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 0pt"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; color: black; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; color: black; text-align: right"><font style="font-size: 8pt">99,366</font></td><td style="padding-bottom: 2.5pt; color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="color: black; padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; color: black; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; color: black; text-align: right"><font style="font-size: 8pt">166,027</font></td><td style="padding-bottom: 2.5pt; color: black; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">In March 2013 we renewed our $100 million warehouse credit line with affiliates of Goldman, Sachs &#38; Co. and Fortress Investment Group. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Six Funding LLC. The facility provides for advances up to 88% of eligible finance receivables and the loans under it accrue interest at a rate of one-month LIBOR plus 5.73% per annum, with a minimum rate of 6.73% per annum. There was $9.5 million outstanding under this facility at December 31, 2013. This facility has a revolving period through March 2015 and an amortization period through March 2017 for any receivables pledged to the facility at the end of the revolving period.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">In June 2013, we renewed our $100 million warehouse credit line with Citibank, N.A. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Eight Funding, LLC. The facility provides for effective advances up to 88.4% of eligible finance receivables. The loans under the facility accrue interest at one-month LIBOR plus 6.00% per annum, with a minimum rate of 6.75% per annum. At December 31, 2013 there was no amount outstanding under this facility, which has a revolving period through June 2015 and an amortization period through June 2016 for any receivables pledged at the end of the revolving period.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">The total outstanding debt on our warehouse lines of credit was $9.5 million as of December 31, 2013, compared to $21.7 million outstanding as of December 31, 2012.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">The costs incurred in conjunction with the above debt are recorded as deferred financing costs on the accompanying consolidated balance sheets and are more fully described in Note 1.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">We must comply with certain affirmative and negative covenants related to debt facilities, which require, among other things, that we maintain certain financial ratios related to liquidity, net worth and capitalization. Further covenants include matters relating to investments, acquisitions, restricted payments and certain dividend restrictions. See the discussion of financial covenants in Note 1.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">The following table summarizes the contractual and expected maturity amounts of long term debt as of December 31, 2013:</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Contractual maturity date</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Residual</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">interest</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">financing (1)</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Senior</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">secured</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">debt (2)</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Subordinated</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">renewable&#160;</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">&#160;notes</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Total</font></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td colspan="14" style="text-align: center"><font style="font-size: 8pt"><b>(In thousands)</b></font></td><td><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%; text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2014</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">6,333</font></td><td style="width: 1%; text-align: left"></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">38,559</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">11,400</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">56,292</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2015</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">3,202</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">2,480</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">5,682</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2016</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">1,159</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">3,267</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,426</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2017</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,300</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">212</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,512</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2018</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,102</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">565</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,667</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt"><font style="font-size: 8pt">Thereafter</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">1,218</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">1,218</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt"><font style="font-size: 8pt">Total</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">19,096</font></td><td style="padding-bottom: 2.5pt; text-align: left"></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">38,559</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">19,142</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">76,797</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 3pt -22pt; text-indent: 22pt"><font style="font-size: 8pt"><i>_________________________</i></font></p> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 13.5pt"><font style="font-size: 8pt"><i>(1)</i></font></td><td><font style="font-size: 8pt"><i>The residual interest financing debt has a contractual maturity date in April 2018. This debt is expected to become due and payable prior to that date, based on the decreasing valuation of the underlying collateral.</i></font></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 13.5pt"><font style="font-size: 8pt"><i>(2)</i></font></td><td><font style="font-size: 8pt"><i>The senior secured debt is shown net of unamortized debt discounts of $623,000. On a gross basis the scheduled maturity of this debt is $39.2 million in June 2014. On January 31, 2014, we prepaid $10.0 million of our senior secured debt prior to its contractual maturity in June 2014. </i></font></td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 13.5pt"><font style="font-size: 8pt"><i>(3)</i></font></td><td><font style="font-size: 8pt"><i>Debt secured by receivables measured at fair value, in the amount of $13.1 million as of December 31, 2013, is omitted from this table because it becomes due as and when the related receivables balance is reduced by payments and charge-offs. </i></font></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-indent: 0.5in"><font style="font-size: 8pt">&#160;</font></p> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Contractual maturity date</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Residual</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">interest</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">financing (1)</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Senior</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">secured</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">debt (2)</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">Subordinated</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">renewable&#160;</font></p> <p style="margin-top: 0; margin-bottom: 0"><font style="font-size: 8pt">&#160;notes</font></p></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">Total</font></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td colspan="14" style="text-align: center"><font style="font-size: 8pt"><b>(In thousands)</b></font></td><td><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%; text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2014</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">6,333</font></td><td style="width: 1%; text-align: left"></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">38,559</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">11,400</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">56,292</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2015</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">3,202</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">2,480</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">5,682</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2016</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">1,159</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">3,267</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,426</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2017</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,300</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">212</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,512</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 5.4pt"><font style="font-size: 8pt">2018</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,102</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">565</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,667</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt"><font style="font-size: 8pt">Thereafter</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">&#150;</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">1,218</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">1,218</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt"><font style="font-size: 8pt">Total</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">19,096</font></td><td style="padding-bottom: 2.5pt; text-align: left"></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">38,559</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">19,142</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">76,797</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 60%; font: 8pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">Cash Flows</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; font: 8pt Times New Roman, Times, Serif"> <td style="font: bold 8pt Times New Roman, Times, Serif; text-align: left">Estimated Future Benefit Payments (In thousands)</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td colspan="2" style="font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="width: 43%; text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2014</td><td style="width: 2%; font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="width: 13%; text-align: right; font: 8pt Times New Roman, Times, Serif">722</td><td style="width: 1%; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2015</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">816</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2016</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">828</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2017</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">862</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">2018</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">894</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; text-align: left; font: 8pt Times New Roman, Times, Serif">Years 2019 - 2023</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">5,075</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238); font: 8pt Times New Roman, Times, Serif"> <td style="padding-left: 5.4pt; text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">&#160;</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: White; font: 8pt Times New Roman, Times, Serif"> <td style="text-align: left; padding-left: 5.4pt; font: 8pt Times New Roman, Times, Serif">Anticipated Contributions in 2014</td><td style="font: 8pt Times New Roman, Times, Serif">&#160;</td> <td style="text-align: left; font: 8pt Times New Roman, Times, Serif">$</td><td style="text-align: right; font: 8pt Times New Roman, Times, Serif">562</td><td style="text-align: left; font: 8pt Times New Roman, Times, Serif">&#160;</td></tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif"> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="6" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">December 31,</font></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">2013</font></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold; padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><font style="font-size: 8pt">2012</font></td><td style="padding-bottom: 1pt; font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -11pt"><font style="font-size: 8pt">&#160;</font></td><td style="font-weight: bold"><font style="font-size: 8pt">&#160;</font></td> <td colspan="6" style="font-weight: bold; text-align: center"><font style="font-size: 8pt">(in thousands)</font></td><td style="font-weight: bold"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Finance Receivables Measured at Fair Value:</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Balance at beginning of year</font></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">59,668</font></td><td style="width: 1%; text-align: left"></td><td style="width: 2%"><font style="font-size: 8pt">&#160;</font></td> <td style="width: 1%; text-align: left"><font style="font-size: 8pt">$</font></td><td style="width: 13%; text-align: right"><font style="font-size: 8pt">160,253</font></td><td style="width: 1%; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Payments on finance receivables at fair value</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(43,122</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(104,682</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Charge-offs on finance receivables at fair value</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(2,896</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(6,681</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Discount accretion</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">1,421</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,144</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt"><font style="font-size: 8pt">Mark to fair value</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">(595</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">)</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">6,634</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt"><font style="font-size: 8pt">Balance at end of year</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">14,476</font></td><td style="padding-bottom: 2.5pt; text-align: left"></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">59,668</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0pt"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 0pt"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Debt Secured by Finance Receivables Measured at Fair Value:</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Balance at beginning of year</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">$</font></td><td style="text-align: right"><font style="font-size: 8pt">57,107</font></td><td style="text-align: left"></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">$</font></td><td style="text-align: right"><font style="font-size: 8pt">166,828</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Principal payments on debt at fair value</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(45,969</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">(121,413</font></td><td style="text-align: left"><font style="font-size: 8pt">)</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Premium accretion</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">2,726</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">4,579</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt"><font style="font-size: 8pt">Mark to fair value</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">(747</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">)</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">7,113</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-left: 0pt"><font style="font-size: 8pt">Balance at end of year</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">13,117</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td><font style="font-size: 8pt">&#160;</font></td> <td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="text-align: right"><font style="font-size: 8pt">57,107</font></td><td style="text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt"><font style="font-size: 8pt">Reduction for payments collected and payable</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">(1,654</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">)</font></td><td style="padding-bottom: 1pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="border-bottom: Black 1pt solid; text-align: right"><font style="font-size: 8pt">(5,548</font></td><td style="padding-bottom: 1pt; text-align: left"><font style="font-size: 8pt">)</font></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt"><font style="font-size: 8pt">Adjusted balance at end of year</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">11,463</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td><td style="padding-bottom: 2.5pt"><font style="font-size: 8pt">&#160;</font></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><font style="font-size: 8pt">$</font></td><td style="border-bottom: Black 2.5pt double; text-align: right"><font style="font-size: 8pt">51,559</font></td><td style="padding-bottom: 2.5pt; text-align: left"><font style="font-size: 8pt">&#160;</font></td></tr> </table> 21792000 19443000 18841000 875000 823000 0 0 5439000 6009000 -5180000 2823000 127513776 59376000 319340000 -91493000 -409566000 34989000 99372000