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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>1. Basis of Presentation</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The accompanying consolidated balance sheet as of March 31, 2014, which has been derived from audited financial statements, and the accompanying unaudited interim consolidated financial statements of Nicholas Financial, Inc. (including its subsidiaries, the “Company”) have been prepared in accordance with accounting principles generally accepted in the United States (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q pursuant to the Securities and Exchange Act of 1934, as amended in Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete consolidated financial statements, although the Company believes that the disclosures made are adequate to ensure the information is not misleading. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for interim periods are not necessarily indicative of the results that may be expected for the year ending March 31, 2015. It is suggested that these consolidated financial statements be read in conjunction with the consolidated financial statements and accompanying notes thereto included in the Company’s Annual Report on Form 10-K for the year ended March 31, 2014 as filed with the Securities and Exchange Commission on June 16, 2014. The March 31, 2014 consolidated balance sheet included herein has been derived from the March 31, 2014 audited consolidated balance sheet included in the aforementioned Form 10-K.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>2. Revenue Recognition</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Finance receivables consist of automobile finance installment contracts (“Contracts”) and direct consumer loans (“Direct Loans”). Interest income on finance receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan enters bankruptcy status, is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier. Chapter 13 bankrupt accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankrupt accounts does not resume until all principal amounts are recovered (see Note 4).</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle and competition in any given market. In making decisions regarding the purchase of a particular Contract the Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The entire amount of discount is amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount associated with new volume for the six months ended September 30, 2014 and 2013 was 8.16% and 8.43%, respectively in relation to the total amount financed.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Gross finance receivables represent principal balance plus unearned income. The amount of future unearned income is computed as the product of the Contract rate, the Contract term, and the Contract amount.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company’s net costs for originating direct loans are recognized as an adjustment to the yield and are amortized over the life of the loan using the interest method.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>3. Earnings Per Share</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Basic earnings per share is calculated by dividing the reported net income for the period by the weighted average number of shares of common stock outstanding. Diluted earnings per share includes the effect of dilutive options and other share awards. Basic and diluted earnings per share have been computed as follows:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
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<td></td>
<td></td>
<td></td>
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<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended<br />September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended<br />September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Numerator for earnings per share – net income</p>
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<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,329,701</td>
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<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,316,552</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,238,889</td>
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<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,017,045</td>
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<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
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<td> </td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Denominator:</p>
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<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Denominator for basic earnings per share – weighted average shares</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,190,800</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,092,246</td>
<td valign="bottom"
nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,184,581</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,078,703</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Effect of dilutive securities:</p>
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 1pt; margin-left: 5em;">Stock options and other share awards</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">173,903</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">222,995</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">186,254</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">194,879</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Denominator for diluted earnings per share</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,364,703</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,315,241</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,370,835</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,273,582</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Earnings per share:</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Basic</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.76</td>
<td valign="bottom"
nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.83</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Diluted</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.75</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.82</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">For the three months ended September 30, 2014 and 2013, potential shares of common stock from stock options totaling 92,663 and 10,000, respectively, were not included in the diluted earnings per share calculation because their effect is anti-dilutive. For the six months ended September 30, 2014 and 2013 potential shares of common stock from stock options totaling 58,989 and 78,559, respectively, were not included in the diluted earnings per share calculation because their effect is anti-dilutive.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>4. Finance Receivables</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Finance receivables consist of automobile finance installment Contracts and Direct Loans and are detailed as follows:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="68%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>September 30,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>March 31,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">442,184,095</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">424,344,193</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Unearned interest</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(132,735,074</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(124,306,969</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net of unearned interest</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">309,449,021</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">300,037,224</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(17,589,609</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(17,214,269</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net of unearned interest and unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">291,859,412</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">282,822,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(12,677,194</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(13,479,360</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,218</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,343,595</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The terms of the Contracts range from 12 to 72 months and the Direct Loans range from 6 to 48 months. The Contracts and Direct Loans bear a weighted average effective interest rate of 23.10% and 23.24% as of September 30, 2014, respectively and 23.08% and 26.32% as of March 31, 2014, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Finance receivables consist of Contracts and Direct Loans, each of which comprises a portfolio segment. Each portfolio segment consists of smaller balance homogeneous loans which are collectively evaluated for impairment.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="52%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,933,905</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">14,811,173</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889,082</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,090,652</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">5,067,689</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,873,216</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,141,087</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,367,646</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(7,046,790</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(6,029,363</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(11,896,413</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(10,678,339</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">987,890</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">823,996</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,808,938</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,699,063</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at end of period</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,942,694</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,942,694</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company purchases Contracts from automobile dealers at a negotiated price that is less than the original principal amount being financed by the purchaser of the automobile. The Contracts are predominately for used vehicles. As of September 30, 2014, the average model year of vehicles collateralizing the portfolio was a 2006 vehicle. The average loan to value ratio, which expresses the amount of the Contract as a percentage of the value of the automobile, is approximately 95%. The Company utilizes a static pool approach to track portfolio performance. If the allowance for credit losses is determined to be inadequate for a static pool, then an additional charge to income through the provision is used to maintain adequate reserves based on management’s evaluation of the risk inherent in the loan portfolio, the composition of the portfolio, and current economic conditions. Such evaluation, considers among other matters, the estimated net realizable value or the fair value of the underlying collateral, economic conditions, historical loan loss experience, management’s estimate of probable credit losses and other factors that warrant recognition in providing for an adequate allowance for credit losses.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="64%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">706,960</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">591,881</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590,278</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">467,917</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">86,546</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">99,888</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">244,963</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">247,249</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(65,015</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(42,987</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(119,115</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(70,573</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,009</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,833</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">18,374</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at end of period</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">734,500</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">734,500</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Direct Loans are originated directly between the Company and the consumer. These loans are typically for amounts ranging from $1,000 to $8,000 and are generally secured by a lien on an automobile, watercraft or other permissible tangible personal property. The majority of Direct Loans are originated with current or former customers under the Company’s automobile financing program. The typical Direct Loan represents a significantly better credit risk than our typical Contract due to the customer’s historical payment history with the Company. In deciding whether or not to make a loan, the Company considers the individual’s credit history, job stability, income and impressions created during a personal interview with a Company loan officer. Additionally, because most of Direct Loans made by the Company to date have been made to borrowers under Contracts previously purchased by the Company, the payment history of the borrower under the Contract is a significant factor in making the loan decision. As of September 30, 2014, loans made by the Company pursuant to its Direct Loan program constituted approximately 3% of the aggregate principal amount of the Company’s loan portfolio.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Changes in the allowance for credit losses for both Contracts and Direct Loans were driven by current economic conditions and trends over several reporting periods which are useful in estimating future losses and overall portfolio performance.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">A performing account is defined as an account that is less than 61 days past due. A non-performing account is defined as an account that is contractually delinquent for 61 days or more and the accrual of interest income is suspended. When an account is 120 days contractually delinquent, the account is written off. Upon notification of a Chapter 13 bankruptcy, an account is monitored for collection with other Chapter 13 bankrupt accounts. In the event the debtors balance has been reduced by the bankruptcy court, the Company will record a loss equal to the amount of principal balance reduction. The remaining balance will be reduced as payments are received by the bankruptcy court. In the event an account is dismissed from bankruptcy, the Company will decide, based on several factors, to begin repossession proceedings or to allow the customer to begin making regularly scheduled payments.</p>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">  </p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The following table is an assessment of the credit quality by creditworthiness:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="50%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>September 30,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>September 30,</b><br /><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Performing accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">419,111,304</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,268,405</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">392,402,488</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,555,451</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Non-performing accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,085,319</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">101,071</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,696,422</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">58,850</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">427,196,623</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,369,476</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">397,098,910</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,614,301</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Chapter 13 bankrupt accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,585,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,355</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,994,649</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,631</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">430,782,264</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,401,831</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">400,093,559</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,623,932</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and under its Direct Loans, excluding Chapter 13 bankrupt accounts:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="50%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Contracts</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br />Outstanding</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31 – 60 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61 – 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>Over 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>Total</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">427,196,623</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,923,081</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,241,042</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,844,277</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">28,008,400</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4.66</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.23</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.67</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6.56</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">397,098,910</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,504,636</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,855,032</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,841,390</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">20,201,058</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3.91</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.72</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.46</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">5.09</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Direct Loans</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br />Outstanding</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>31 – 60 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>61 – 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,369,476</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">215,570</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">77,219</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">23,852</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">316,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.90</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.68</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.21</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2.79</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,614,301</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">104,983</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">37,604</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,246</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">163,833</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.99</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.20</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.54</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>5. Line of Credit</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company has a line of credit facility (the “Line”) up to $150,000,000. The pricing of the Line, which expires on November 30, 2014, is 300 basis points above 30-day LIBOR with a 1% floor on LIBOR (4.00% at September 30, 2014 and March 31, 2014). Pledged as collateral for this Line are all of the assets of the Company. The outstanding amount of the Line was $132,000,000 and $127,900,000 as of September 30, 2014 and March 31, 2014, respectively. The amount available under the Line was approximately $18,000,000 and $22,100,000 as of September 30, 2014 and March 31, 2014, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The facility requires compliance with certain financial ratios and covenants and satisfaction of specified financial tests, including maintenance of asset quality and performance tests. Dividends do not require consent in writing by the agent and majority lenders under the new facility as long as the Company is in compliance with a net income covenant. As of September 30, 2014, the Company was in full compliance with all debt covenants.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>6. Interest Rate Swap Agreements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company utilizes interest rate swap agreements to manage exposure to variability in expected cash flows attributable to interest rate risk. The interest rate swap agreements convert a portion of the floating rate debt to a fixed rate, more closely matching the interest rate characteristics of finance receivables.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The following table summarizes the activity in the notional amounts of interest rate swap agreements:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Notional amounts at April 1</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">New contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Matured contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Notional amounts at September 30</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<p align="center" style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company currently has two interest rate swap agreements. A June 4, 2012 interest rate swap agreement provides for a five-year interest rate swap in which the Company pays a fixed rate of 1% and receives payments from the counterparty on the 1-month LIBOR rate. This interest rate swap agreement has an effective date of June 13, 2012 and a notional amount of $25,000,000. A July 30, 2012 agreement provides for a five-year interest rate swap in which the Company pays a fixed rate of 0.87% and receives payments from the counterparty on the 1-month LIBOR rate. This interest rate swap agreement has an effective date of August 13, 2012 and a notional amount of $25,000,000.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The locations and amounts of (gains) losses in income are as follows:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="61%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Periodic change in fair value of interest rate swap agreements</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(251,408</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">249,616</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(39,121</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(583,643</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Periodic settlement differentials included in interest expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">99,846</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">95,725</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">198,838</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">189,039</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(151,562)</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom"> 345,341</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom"> 159,717</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(394,604</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Net realized gains and losses from the interest rate swap agreements were recorded in the interest expense line item of the consolidated statements of income. The following table summarizes the average variable rates received and average fixed rates paid under the swap agreements.</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 8pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="76%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Variable rate received</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.15</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.15</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Fixed rate paid</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>7. Income Taxes</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The provision for income taxes decreased to approximately $2.7 million for the three months ended September 30, 2014 from approximately $2.9 million for the three months ended September 30, 2013. The Company’s effective tax rate decreased to 38.10% for the three months ended September 30, 2014 from 40.07% for the three months ended September 30, 2013. The provision for income taxes decreased to approximately $4.5 million for the six months ended September 30, 2014 from approximately $6.5 million for the six months ended September 30, 2013. The Company’s effective tax rate decreased to 32.69% for the six months ended September 30, 2014 from 39.17% for the six months ended September 30, 2013. The significant decrease in the effective tax rate for the six months ended September 30, 2014 is related to certain professional fees associated with the potential sale of the Company becoming deductible during the three months ended June 30, 2014 when the Arrangement Agreement was terminated.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>8. Fair Value Disclosures</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><u>Assets and Liabilities Recorded at Fair Value on a Recurring Basis</u></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company estimates the fair value of interest rate swap agreements based on the estimated net present value of the future cash flows using a forward interest rate yield curve in effect as of the measurement period, adjusted for nonperformance risk, if any, including a quantitative and qualitative evaluation of both the Company’s credit risk and the counterparty’s credit risk. Accordingly, the Company classifies interest rate swap agreements as Level 2.</p>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b></b> </p>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="70%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10">Fair Value Measurement Using</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Description</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Fair Value</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Interest rate swap agreements:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014 – assets:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">222,724</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">222,724</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014 – assets:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">183,603</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">183,603</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><u>Financial Instruments Not Measured at Fair Value</u></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company’s financial instruments consist of finance receivables and the Line. For each of these financial instruments the carrying value approximates fair value.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Finance receivables, net approximates fair value based on the price paid to acquire indirect loans. The price paid reflects competitive market interest rates and purchase discounts for the Company’s chosen credit grade in the economic environment. This market is highly liquid as the Company acquires individual loans on a daily basis from dealers. The initial terms of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 6 to 48 months. In addition, there have been minimal changes in interest rates and purchase discounts related to these types of loans. If liquidated outside of the normal course of business, the amount received may not be the carrying value.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Based on current market conditions, any new or renewed credit facility would contain pricing that approximates the Company’s current Line. Based on these market conditions, the fair value of the Line as of September 30, 2014 was estimated to be equal to the book value. The interest rate for the Line is a variable rate based on LIBOR pricing options.</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="55%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10">Fair Value Measurement Using</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Description</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Fair Value</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,344,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,344,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Line of credit:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">132,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">132,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,900,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,900,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><u>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis</u></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company may be required, from time to time, to measure certain assets and liabilities at fair value on a nonrecurring basis. The Company does not currently have any assets or liabilities measured at fair value on a nonrecurring basis.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>9. Cash Dividend</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Dividends were not declared or paid during the six months ended September 30, 2014. On May 7, 2013 the Board of Directors announced a quarterly cash dividend equal to $0.12 per common share, to be paid on June 28, 2013 to shareholders of record as of June 21, 2013. On August 13, 2013 the Board of Directors announced a quarterly cash dividend equal to $0.12 per common share, to be paid on September 27, 2013 to shareholders of record as of September 20, 2013.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of dividend tax.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>10. Contingencies</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company currently is not a party to any pending legal proceedings other than ordinary routine litigation incidental to its business, none of which, if decided adversely to the Company, would, in the opinion of management, have a material adverse effect on the Company’s financial condition or results of operations.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"><b>11. Recently Issued Accounting Standards</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">In May 2014, the FASB issued ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. The ASU requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. The new standard is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Early application is not permitted. The standard permits the use of either the retrospective or cumulative effect transition method. The Company has not yet selected a transition method. The Company will be evaluating the effect that the ASU will have on the consolidated financial statements and related disclosures.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">In August 2014, the FASB issued ASU No. 2014-15, “Presentation of Financial Statements - Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.” The guidance requires an entity to evaluate whether there are conditions or events, in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date that the financial statements are issued and to provide related footnote disclosures in certain circumstances. The guidance is effective for the annual period ending after December 15, 2016, and for annual and interim periods thereafter. Early application is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">The Company does not believe there are any other recently issued accounting standards that have not yet been adopted that will have a material impact on the Company’s consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="59%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended<br />September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended<br />September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Numerator for earnings per share – net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,329,701</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,316,552</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,238,889</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,017,045</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Denominator:</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Denominator for basic earnings per share – weighted average shares</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,190,800</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,092,246</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,184,581</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,078,703</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Effect of dilutive securities:</p>
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 1pt; margin-left:
5em;">Stock options and other share awards</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">173,903</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">222,995</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">186,254</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">194,879</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Denominator for diluted earnings per share</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,364,703</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,315,241</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,370,835</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">12,273,582</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Earnings per share:</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Basic</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.76</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.83</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style:
double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Diluted</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.75</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.82</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="68%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>September 30,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>March 31,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">442,184,095</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">424,344,193</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Unearned interest</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(132,735,074</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(124,306,969</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net of unearned interest</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">309,449,021</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">300,037,224</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(17,589,609</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(17,214,269</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net of unearned interest and unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">291,859,412</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">282,822,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(12,677,194</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(13,479,360</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style:
solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, net</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,218</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,343,595</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="52%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,933,905</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">14,811,173</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889,082</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,090,652</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">5,067,689</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,873,216</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,141,087</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,367,646</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(7,046,790</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(6,029,363</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(11,896,413</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(10,678,339</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">987,890</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">823,996</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,808,938</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,699,063</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td
valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at end of period</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,942,694</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,942,694</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<div> </div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="64%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">706,960</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">591,881</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590,278</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">467,917</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">86,546</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">99,888</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">244,963</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">247,249</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(65,015</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(42,987</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(119,115</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(70,573</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,009</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,833</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">18,374</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000;
border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Balance at end of period</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">734,500</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">734,500</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<div> </div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="50%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>September 30,</b><br /><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>September 30,</b><br /><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Performing accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">419,111,304</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,268,405</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">392,402,488</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,555,451</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Non-performing accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,085,319</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">101,071</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,696,422</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">58,850</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">427,196,623</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,369,476</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">397,098,910</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,614,301</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Chapter 13 bankrupt accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,585,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td
valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,355</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,994,649</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,631</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">430,782,264</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,401,831</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">400,093,559</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,623,932</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 3px; border-top-style: double;"> </p>
</td>
<td> </td>
</tr>
</table>
<div> </div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="50%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Contracts</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br />Outstanding</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31 – 60 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61 – 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>Over 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>Total</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">427,196,623</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,923,081</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,241,042</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,844,277</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">28,008,400</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4.66</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.23</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.67</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6.56</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">397,098,910</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,504,636</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,855,032</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,841,390</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">20,201,058</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3.91</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.72</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.46</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">5.09</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Direct Loans</b></p>
</td>
<td
valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br />Outstanding</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>31 – 60 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>61 – 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over 90 days</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,369,476</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">215,570</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">77,219</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">23,852</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">316,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.90</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.68</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.21</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2.79</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">September 30, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,614,301</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">104,983</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">37,604</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,246</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">163,833</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.99</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.20</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.54</td>
<td valign="bottom" nowrap="nowrap">%</td>
</tr>
</table>
<p style="font-family: 'times new roman'; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"> </p>
<table align="center" style="width: 76%; font-family: 'times new roman'; font-size: 10pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><font style="font-family: times new roman,times;" size="2"><b>Six months ended September 30,</b></font></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2014</b></font></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2013</b></font></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;"><font style="font-family: times new roman,times;" size="2">Notional amounts at April 1</font></p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">50,000,000</font></td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">50,000,000</font></td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;"><font style="font-family: times new roman,times;" size="2">New contracts</font></p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;"><font style="font-family: times new roman,times;" size="2">Matured contracts</font></p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;"><font style="font-family: times new roman,times;" size="2">Notional amounts at September 30</font></p>
</td>
<td style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-size: 8pt; ; font-family: times new roman,times;" size="2">  </font></td>
<td style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-family: times new roman,times;" size="2">50,000,000</font></td>
<td style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom" nowrap="nowrap">  </td>
<td style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-size: 8pt; ; font-family: times new roman,times;" size="2">  </font></td>
<td style="font: 13px/normal 'times new roman'; color: #000000;
text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" style="font: 13px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; background-color: #ffffff; -webkit-text-stroke-width: 0px;" valign="bottom"><font style="font-family: times new roman,times;" size="2">50,000,000</font></td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="61%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Periodic change in fair value of interest rate swap agreements</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(251,408</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">249,616</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(39,121</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(583,643</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Periodic settlement differentials included in interest expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">99,846</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">95,725</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">198,838</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">189,039</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(151,562)</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom"> 345,341</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom"> 159,717</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(394,604</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 8pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="76%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>Six months ended</b><br /><b>September 30,</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Variable rate received</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.15</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.15</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Fixed rate paid</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">%</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;"> </p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="70%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10">Fair Value Measurement Using</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Description</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Fair Value</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Interest rate swap agreements:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014 – assets:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">222,724</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">222,724</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014 – assets:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">183,603</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">183,603</td>
<td valign="bottom" nowrap="nowrap"> </td>
</tr>
</table>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="55%"></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10">Fair Value Measurement Using</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Description</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2">Fair Value</td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Finance receivables:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">279,182,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,344,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">269,344,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 1em;">Line of credit:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">September 30, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">132,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">132,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-left: 3em;">March 31, 2014</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,900,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,900,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
0.0843
0.0816
12092246
12078703
12190800
12184581
222995
194879
173903
186254
12315241
12273582
12364703
12370835
10000
78559
92663
58989
424344193
442184095
124306969
132735074
300037224
309449021
17214269
17589609
282822955
291859412
13479022
659615
12889082
590278
13479360
11942694
734500
12677194
14811173
591881
16090652
467917
12933905
706960
6029363
42987
10678339
70573
7046790
65015
11896413
119115
823996
10833
1699063
15022
987890
6009
1808938
18374
397098910
10614301
392402488
4696422
10555451
58850
427196623
11369476
419111304
8085319
11268405
101071
400093559
10623932
2994649
9631
430782264
11401831
3585641
32355
15504636
104983
19923081
215570
0.0391
0.0099
0.0466
0.019
2855032
37604
5241042
77219
0.0072
0.0035
0.0123
0.0068
1841390
21246
2844277
23852
0.0046
0.002
0.0067
0.0021
20201058
163833
28008400
316641
0.0509
0.0154
0.0656
0.0279
P48M
P6M
P72M
P12M
0.2308
0.2632
0.2310
0.2324
0.03
0.95
P61D
P61D
P120D
150000000
0.03
30-day LIBOR
0.01
0.04
0.04
22100000
18000000
25000000
25000000
50000000
50000000
50000000
50000000
249616
-583643
-251408
-39121
-95725
-189039
-99846
-198838
345341
-394604
-151562
159717
0.0019
0.0019
0.0015
0.0015
0.01
0.0087
0.0094
0.0094
0.0094
0.0094
2
P5Y
P5Y
1-month LIBOR rate
1-month LIBOR rate
0.4007
0.3917
0.3810
0.3269
183603
183603
222724
222724
269344000
269344000
279182000
279182000
127900000
127900000
132000000
132000000
0.12
0.12
2013-05-07
2013-08-13
2013-06-28
2013-09-27
2013-06-21
2013-09-20
0.05