0001000045
2012-05-01
2012-05-02
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2012-06-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel1Member
2012-06-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel2Member
2012-06-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel3Member
2012-06-13
0001000045
2012-08-01
2012-08-07
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2012-08-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel1Member
2012-08-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel2Member
2012-08-13
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel3Member
2012-08-13
0001000045
2012-10-01
2012-12-31
0001000045
us-gaap:EmployeeStockOptionMember
2012-10-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2012-10-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2012-10-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
2012-10-01
2012-12-31
0001000045
us-gaap:ScenarioPreviouslyReportedMember
2012-10-01
2012-12-31
0001000045
us-gaap:ScenarioAdjustmentMember
2012-10-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2012-10-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2012-10-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioPreviouslyReportedMember
us-gaap:CustomerContractsMember
2012-10-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioAdjustmentMember
us-gaap:CustomerContractsMember
2012-10-01
2012-12-31
0001000045
2012-04-01
2012-12-31
0001000045
us-gaap:EmployeeStockOptionMember
2012-04-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2012-04-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2012-04-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
2012-04-01
2012-12-31
0001000045
us-gaap:ScenarioPreviouslyReportedMember
2012-04-01
2012-12-31
0001000045
us-gaap:ScenarioAdjustmentMember
2012-04-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2012-04-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2012-04-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioPreviouslyReportedMember
us-gaap:CustomerContractsMember
2012-04-01
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioAdjustmentMember
us-gaap:CustomerContractsMember
2012-04-01
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
2012-04-01
2012-12-31
0001000045
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2012-12-31
0001000045
us-gaap:ScenarioPreviouslyReportedMember
2012-12-31
0001000045
us-gaap:ScenarioAdjustmentMember
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2012-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2012-12-31
0001000045
2013-03-31
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2013-03-31
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel1Member
2013-03-31
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel2Member
2013-03-31
0001000045
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:FairValueInputsLevel3Member
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
nick:NonBankruptAccountsFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
nick:BankruptAccountsFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:PerformingFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:NonperformingFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
nick:NonBankruptAccountsFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
nick:BankruptAccountsFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:PerformingFinancingReceivableMember
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:NonperformingFinancingReceivableMember
2013-03-31
0001000045
us-gaap:LineOfCreditMember
2013-03-31
0001000045
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2013-03-31
0001000045
us-gaap:FairValueInputsLevel1Member
2013-03-31
0001000045
us-gaap:FairValueInputsLevel2Member
2013-03-31
0001000045
us-gaap:FairValueInputsLevel3Member
2013-03-31
0001000045
us-gaap:FinanceReceivablesMember
2013-03-31
0001000045
2013-05-01
2013-05-07
0001000045
2013-08-01
2013-08-13
0001000045
nick:ArrangementAgreementMember
us-gaap:PendingLitigationMember
2013-12-17
0001000045
2013-10-01
2013-12-31
0001000045
us-gaap:EmployeeStockOptionMember
2013-10-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2013-10-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2013-10-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
2013-10-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2013-10-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2013-10-01
2013-12-31
0001000045
2013-04-01
2013-12-31
0001000045
us-gaap:EmployeeStockOptionMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2013-04-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
2013-04-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2013-04-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2013-04-01
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
2013-04-01
2013-12-31
0001000045
us-gaap:LineOfCreditMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:MaximumMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:MinimumMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:MaximumMember
2013-04-01
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:MinimumMember
2013-04-01
2013-12-31
0001000045
nick:ReconciliationAllowanceForCreditLossMember
us-gaap:CustomerContractsMember
2013-04-01
2013-12-31
0001000045
us-gaap:CustomerContractsMember
2013-04-01
2013-12-31
0001000045
us-gaap:ConsumerLoanMember
2013-04-01
2013-12-31
0001000045
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateOnePointZeroZeroPercentMember
2013-12-31
0001000045
us-gaap:InterestRateSwapMember
nick:FixedInterestRateZeroPointEightSevenPercentMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
nick:NonBankruptAccountsFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
nick:BankruptAccountsFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:PerformingFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
us-gaap:NonperformingFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
nick:NonBankruptAccountsFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
nick:BankruptAccountsFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:PerformingFinancingReceivableMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:NonperformingFinancingReceivableMember
2013-12-31
0001000045
us-gaap:LineOfCreditMember
2013-12-31
0001000045
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2013-12-31
0001000045
us-gaap:FairValueInputsLevel1Member
2013-12-31
0001000045
us-gaap:FairValueInputsLevel2Member
2013-12-31
0001000045
us-gaap:FairValueInputsLevel3Member
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:MaximumMember
2013-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
us-gaap:MinimumMember
2013-12-31
0001000045
nick:NicholasDataServicesIncMember
2013-12-31
0001000045
2014-01-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2012-09-30
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2012-09-30
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioPreviouslyReportedMember
us-gaap:CustomerContractsMember
2012-09-30
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioPreviouslyReportedMember
us-gaap:CustomerContractsMember
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioAdjustmentMember
us-gaap:CustomerContractsMember
2012-09-30
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioAdjustmentMember
us-gaap:CustomerContractsMember
2012-12-31
0001000045
2012-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2012-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2012-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioPreviouslyReportedMember
us-gaap:CustomerContractsMember
2012-03-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ScenarioAdjustmentMember
us-gaap:CustomerContractsMember
2012-03-31
0001000045
us-gaap:InterestRateSwapMember
2012-03-31
0001000045
us-gaap:InterestRateSwapMember
2012-12-31
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:CustomerContractsMember
2013-09-30
0001000045
us-gaap:FinanceReceivablesMember
us-gaap:ConsumerLoanMember
2013-09-30
0001000045
us-gaap:InterestRateSwapMember
2013-03-31
0001000045
us-gaap:InterestRateSwapMember
2013-12-31
xbrli:shares
iso4217:USD
iso4217:USDxbrli:shares
xbrli:pure
nick:Lawsuit
NICHOLAS FINANCIAL INC
0001000045
nick
--03-31
Accelerated Filer
12217574
10-Q
2013-12-31
false
2014
Q3
2797716
4089466
245333382
246342674
-1009292
249825801
249825801
261254324
261254324
8000
1000
1203664
1758171
102999
276823
736746
711834
741581
765198
181976
8223132
7836774
386358
8426961
7048360
263835468
276086152
125500000
127000000
2096311
1570755
7405579
6677051
504852
4839
1363630
2018582
136870372
137271227
30031548
30888690
93607729
94230663
-622934
96933548
107926235
126965096
138814925
263835468
276086152
5000000
5000000
50000000
50000000
12154069
12208719
12154069
12208719
20594614
17878745
2715869
61708812
52910831
8797981
20756034
62168567
10247
29196
5196
17322
20604861
61738008
20761230
62185889
3895
9067
2125
6961
362159
1091989
350408
1109997
4451546
13539636
4859897
14542906
2046004
5960778
2223531
6607094
3484811
3423255
61556
818903
2665908
757347
2665908
9849798
9683929
165869
1137615
8712183
971746
8712183
4183035
4157616
25419
10797930
10525262
272668
1286694
1419152
142557
69998
212718
78755
230909
1275015
3717386
1441175
4288979
37348
-645772
98346
681989
13129994
37085328
14101443
39057593
7474867
7424906
49961
24652680
24566882
85798
6659787
23128296
2878811
2859686
19125
9499030
9466187
32843
2833019
9284483
4596056
4565220
30836
15153650
15100695
52955
3826768
13843813
0.38
0.38
1.27
1.26
0.01
0.32
1.15
0.38
0.37
0.01
1.24
1.24
0.31
1.13
2.12
2.34
0.24
5615
21800
-8797978
-8797978
-9911725
900165
867325
32840
1378601
658707
405264
-52644
-24912
-1093360
-728528
-899926
-173824
25237
654952
16701812
16701812
15818515
100603313
111941584
95471545
99626856
392302
554507
212808
273507
6670
40781
-5730208
-13101961
18500000
1500000
-150802
525556
28383040
2851126
422400
275772
201836
176106
-9108002
-1424804
1863602
1291750
4666656
2797716
4089466
2803054
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>1. Basis of Presentation </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The accompanying consolidated balance sheet as of March 31, 2013, 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, 2014. 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, 2013 as filed with the Securities and Exchange Commission on June 14, 2013. The March 31, 2013 consolidated balance sheet included herein has been derived from the March 31, 2013 audited consolidated balance sheet included in the aforementioned Form 10-K.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">As previously disclosed in the Company’s Annual Report on Form 10-K for the year ended March 31, 2013, the Company made error corrections for departures from U.S. GAAP and revised previously reported amounts. One of the corrections is related to the accounting treatment for dealer discounts. A dealer discount represents the difference between the amount of a finance receivable, net of unearned interest, based on the terms of a Contract with the borrower, and the amount of money the Company actually pays the dealer for the Contract. Prior to the correction, Contracts were recorded at the net initial investment with the gross Contract balance recorded offset by the dealer discounts which were recorded as an allowance for credit losses for the acquired Contracts. The Company determined that this accounting treatment was incorrect as U.S. GAAP prohibits carrying over valuation allowances in the initial accounting for acquired loans. Accordingly, the Company has now applied an acceptable method under U.S. GAAP, deferring and netting dealer discounts against finance receivables as unearned discounts, and recognizing dealer discounts into income as an adjustment to yield over the life of the loan using the interest method.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The allowance for loan losses is now established solely through charges to earnings through the provision for credit losses. The Company has evaluated the significance of the departure from U.S. GAAP to the consolidated financial statements. Under both the former accounting policy and U.S. GAAP, the dealer discount remains a reduction of gross finance receivables in arriving at the carrying amount of finance receivables, net. Accordingly, finance receivables continue to be initially recorded at the net initial investment at the time of purchase. Subsequently, the allowance for credit losses is maintained at an amount that reduces the net carrying amount of finance receivables. The change in this accounting presentation does not result in a change to the net carrying amount of finance receivables or to net income as historical losses incurred, and estimated incurred losses as of the balance sheet date, are generally in excess of the original dealer discount. The removal of the dealer discount from the allowance requires an equal replacement of provision expense as that portion of the allowance is necessary to absorb probable incurred losses. This correction also did not have an impact on previously reported assets, liabilities, working capital, equity, earnings, or cash flows.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The second correction related to the accounting treatment and presentation of certain fees charged to dealers and costs incurred in purchasing loans from dealers. The costs related principally to evaluating borrowers subject to Contracts in relation to the Company’s underwriting guidelines in making a determination to acquire Contracts. Prior to the correction, fees charged to dealers were reduced by certain costs incurred to purchase Contracts, deferred on a net basis and then amortized into income over the lives of the loans using the interest method. Under U.S. GAAP, the fees charged to dealers are considered to be a part of the unearned dealer discount as they are a determinant of the net amount of cash paid to the dealer. Further, U.S. GAAP specifies that costs incurred in connection with acquiring purchased loans or committing to purchase loans shall be charged to expense as incurred. Such costs do not qualify as origination costs to be deferred as the Contracts have already been originated by the dealers.</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;"> </p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The Company evaluated the significance of the departures from U.S. GAAP to the consolidated financial statements. After an adjustment to beginning equity and the opening balance of unearned dealer discounts, net of tax, for the initial period presented, there is a limited effect on earnings and no impact on cash flows.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The changes to consolidated financial statement captions and earnings per share, if any, are as follows:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></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>
<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" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 89.65pt; font-family: times new roman; font-size: 8pt;">Consolidated Balance Sheet</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>December 31,<br />2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>December 31,<br />2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Finance receivables, net</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">246,342,674</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(1,009,292</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">245,333,382</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; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,836,774</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">386,358</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,223,132</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; margin-left: 1em; font-size: 10pt;">Retained earnings, December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">94,230,663</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(622,934</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">93,607,729</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="53%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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="border-bottom: #000000 1pt solid; width: 183.9pt; font-family: times new roman; font-size: 8pt;">Consolidated Statement of Income – Three months ended<br />December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Interest and fee income on finance receivables</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">17,878,745</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,715,869</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">20,594,614</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">818,903</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,665,908</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,484,811</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; margin-left: 1em; font-size: 10pt;">Operating income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,424,906</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">49,961</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,474,867</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; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,859,686</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">19,125</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,878,811</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,565,220</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">30,836</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,596,056</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; margin-left: 1em; font-size: 10pt;">Earnings per share - basic</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</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">0.38</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; margin-left: 1em; font-size: 10pt;">Earnings per share - diluted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.37</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.01</td>
<td valign="bottom" nowrap="nowrap"> </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></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="border-bottom: #000000 1pt solid; width: 227.65pt; font-family: times new roman; font-size: 8pt;">Consolidated Statement of Income – Nine months ended December 31,<br />2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Interest and fee income on finance receivables</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">52,910,831</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8,797,981</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">61,708,812</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,137,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,849,798</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; margin-left: 1em; font-size: 10pt;">Operating income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,566,882</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">85,798</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,652,680</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; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,466,187</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,843</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,499,030</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,100,695</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">52,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,153,650</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; margin-left: 1em; font-size: 10pt;">Earnings per share - basic</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.26</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.01</td>
<td valign="bottom" nowrap="nowrap"> </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.27</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; margin-left: 1em; font-size: 10pt;">Earnings per share - diluted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.24</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">1.24</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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="border-bottom: #000000 1pt solid; width: 199.6pt; font-family: times new roman; font-size: 8pt;">Consolidated Statements of Cash Flows (Operating Activities)</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,<br />2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,<br />2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,100,695</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">52,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,153,650</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,137,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,849,798</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; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">867,325</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,840</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">900,165</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; margin-left: 1em; font-size: 10pt;">Amortization of dealer discounts</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">(8,797,978</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(8,797,978</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; margin-left: 1em; font-size: 10pt;">Net cash provided by operating activities</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">16,701,812</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">16,701,812</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">In addition the Company has corrected these errors in the finance receivables disclosure in Note 4. The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="51%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of year</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">34,100,661</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,743,844</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,356,817</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; margin-left: 1em; font-size: 10pt;">Discounts acquired on new volume</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,485,560</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(2,485,560</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">757,347</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,665,908</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,423,255</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,571,903</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">(5,571,903</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">786,891</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">786,891</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; margin-left: 1em; font-size: 10pt;">Discounts accreted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(404,994</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">404,994</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Balance at end of year</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">32,153,562</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,158,502</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,995,060</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;"> </p>
<p align="center" style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b></b> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="54%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of year</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">35,495,684</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,996,476</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,499,208</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; margin-left: 1em; font-size: 10pt;">Discounts acquired on new volume</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,469,382</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(8,469,382</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">971,746</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,683,929</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(14,527,271</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">(14,527,271</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,339,194</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">2,339,194</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; margin-left: 1em; font-size: 10pt;">Discounts accreted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(595,173</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">595,173</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Balance at end of year</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">32,153,562</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,158,502</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,995,060</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>2. Revenue Recognition </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">When the Company receives a payment for a loan that was contractually delinquent for more than 60 days, the payment is posted to the account. At the time of the payment, the interest that was paid is recorded as income by the Company and the loan is no longer considered over 60 days contractually delinquent; therefore, the accruing of interest is resumed. As of December 31, 2013 and March 31, 2013 the amount of gross finance receivables not accruing interest was approximately $10,478,000 and $4,132,000, respectively, as discussed further in Note 4.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 nine months ended December 31, 2013 and 2012 was 8.47% and 8.59%, respectively in relation to gross finance receivables.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The amount of future unearned income is computed as the product of the Contract rate, the Contract term, and the Contract amount. 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="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Sales relate principally to telephone support agreements and the sale of business forms to small businesses located primarily in the Southeastern United States. The aforementioned sales of the Nicholas Data Services, Inc. subsidiary, (“NDS”) represent less than 1% of the Company’s consolidated revenues.</p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>3. Earnings Per Share </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="54%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">Numerator for earnings per share – net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,826,768</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,596,056</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,843,813</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,153,650</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px 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; margin-left: 1em; font-size: 10pt;">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; margin-left: 3em; font-size: 10pt;">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">12,108,988</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">11,981,627</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">12,088,835</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">11,961,886</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; margin-left: 3em; font-size: 10pt;">Effect of dilutive securities:</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="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 1pt; margin-left: 5em; font-size: 10pt;">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">225,191</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">211,831</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">197,136</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">229,895</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 3em; font-size: 10pt;">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">12,334,179</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">12,193,458</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">12,285,971</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">12,191,781</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">Basic</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.32</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.15</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.27</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">Diluted</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.31</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.13</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">1.24</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">For the three months ended December 31, 2013 and 2012, potential common stock from stock options totaling 10,000 and 114,500, respectively, were not included in the diluted earnings per share calculation because their effect is anti-dilutive. For the nine months ended December 31, 2013 and 2012 potential common stock from stock options totaling 10,000 and 114,500, respectively, were not included in the diluted earnings per share calculation because their effect is anti-dilutive.</p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>4. Finance Receivables </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Finance receivables consist of automobile finance installment Contracts and Direct Loans and are detailed as follows:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 76%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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" valign="bottom" colspan="2"><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom" colspan="2"><b>March 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">411,105,001</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">395,721,730</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; margin-left: 1em; font-size: 10pt;">Unearned interest</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(119,523,851</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(112,922,191</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">291,581,150</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">282,799,539</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; margin-left: 1em; font-size: 10pt;">Unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(16,708,367</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">(16,415,169</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">274,872,783</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">266,384,370</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; margin-left: 1em; font-size: 10pt;">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">(13,618,459</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">(16,558,569</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Finance receivables, net</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">261,254,324</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">249,825,801</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 23.12% and 26.33% as of December 31, 2013, respectively and 23.31% and 25.84% as of March 31, 2013, respectively.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,356,817</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,090,652</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,499,208</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; margin-left: 1em; font-size: 10pt;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,157,616</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,423,255</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,525,262</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,683,929</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,540,334</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,571,903</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(16,218,673</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(14,527,271</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">884,373</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">786,891</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,583,436</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,339,194</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">12,980,677</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,995,060</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,980,677</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">16,995,060</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;">  </p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 December 31, 2013, 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 94%. 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. In determining the provision and allowance for credit losses, we consider the reduction in the net carrying amount of finance receivables resulting from dealer discounts.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="60%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended<br />December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">531,101</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">467,917</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">492,184</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; margin-left: 1em; font-size: 10pt;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">25,419</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">61,556</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">272,668</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">165,869</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(56,424</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(57,006</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(126,997</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(131,201</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,172</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,739</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,194</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,538</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">637,782</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">542,390</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">637,782</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">542,390</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 December 31, 2013, 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="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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. Effective April 1, 2013, the Company changed its policy in regards to bankrupt accounts. Prior to April 1, 2013 the Company would charge-off the entire principal balance of a bankrupt account in the month following confirmation from the bankruptcy court. Subsequent to the charge-off the Company would collect monthly payments from the bankruptcy court recording the recovery payments and reducing charge-off totals in the month collected. Under the new method, the Company no longer charges off the entire principal balance at the time of bankruptcy. Upon notification of a bankruptcy, an account is monitored for collection with other 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 to allow the customer to begin making regularly scheduled payments. This approach to bankrupt accounts aligns the Company with typical industry practice.</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;"> </p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following table is an assessment of the credit quality by creditworthiness:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="51%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>December 31,</b><br /><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>March 31,</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: #000000 1pt solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">Non-bankrupt accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">395,782,832</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,301,076</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,324,594</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,721,768</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; margin-left: 1em; font-size: 10pt;">Bankrupt accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,002,282</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">18,811</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">615,499</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,940,093</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,721,768</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Performing accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">389,390,841</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,236,408</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">382,843,130</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">5,685,981</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; margin-left: 1em; font-size: 10pt;">Non-performing accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,394,273</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">83,479</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">4,096,963</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">35,787</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,940,093</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">5,721,768</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and under its Direct Loans:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="14"><b>Delinquencies</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 33.75pt; font-family: times new roman; font-size: 8pt;"><b>Contracts</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">December 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,740,543</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,200,159</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,194,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">29,134,816</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">4.69</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.30</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.30</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7.29</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; margin-left: 1em; font-size: 10pt;">December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">380,519,395</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">17,287,813</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,529,766</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,254,123</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">24,071,702</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">4.54</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.59</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6.32</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<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="border-bottom: #000000 1pt solid; width: 44.2pt; font-family: times new roman; font-size: 8pt;"><b>Direct Loans</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">December 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">176,446</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">40,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">42,592</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">259,925</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">1.56</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2.30</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; margin-left: 1em; font-size: 10pt;">December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8,861,098</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">116,251</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">29,295</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,501</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">168,047</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">1.31</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.33</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.25</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.89</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>5. Line of Credit </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The Company has an agreement with its consortium of lenders for a line of credit facility (the “Line”) for an amount of $150,000,000. In December 2012, the Company executed an amendment to the Line that extends the maturity date to November 30, 2014. The pricing of the Line is 300 basis points above 30-day LIBOR with a 1% floor on LIBOR (4.00% at December 31, 2013 and March 31, 2013). Pledged as collateral for this credit facility are all of the assets of the Company. The outstanding amount of the credit facility was approximately $127,000,000 and $125,500,000 as of December 31, 2013 and March 31, 2013, respectively. The amount available under the line of credit was approximately $23,000,000 and $24,500,000 as of December 31, 2013 and March 31, 2013, respectively.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">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 December 31, 2013, the Company was in full compliance with all debt covenants.</p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>6. Interest Rate Swap Agreements </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The Company utilizes interest rate swap agreements to manage exposure to variability in expected cash flows attributable to interst 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="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;"> </p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following table summarizes the activity in the notional amounts of interest rate swap agreements:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 76%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">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" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">New contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Matured contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Notional amounts at December 31</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Interest rate swap agreements effective as of December 31, 2013 and during the three and nine months ended December 31, 2013 and 2012 are detailed as follows:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="49%"></td>
<td valign="bottom" width="3%"></td>
<td width="13%"></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 width="15%"></td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 45.55pt; font-family: times new roman; font-size: 8pt;"><b>Date Entered</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom">
<p align="center" style="margin-top: 0pt; font-family: times new roman; margin-bottom: 1pt; font-size: 8pt;"><b>Effective Date</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Notional Amount</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Fixed Rate<br />Of Interest</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom">
<p align="center" style="margin-top: 0pt; font-family: times new roman; margin-bottom: 1pt; font-size: 8pt;"><b>Maturity Date</b></p>
</td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="2"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="2"></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; margin-left: 1em; font-size: 10pt;">June 1, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" valign="bottom">June 13, 2012</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">25,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.00</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom">June 13, 2017</td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="2"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="2"></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; margin-left: 1em; font-size: 10pt;">July 30, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" valign="bottom">August 13, 2012</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">25,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.87</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom">August 14, 2017</td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The interest rate swap agreements are not designated as hedges. The changes in the fair value of interest of interest rate swaps (unrealized gains and losses) are recorded in earnings. The Company does not use interst rate swap agreements for speculative purposes. Such instruments continue to be intended for use as ecomonic hedges.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The locations and amounts of (gains) losses in income are as follows:</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="63%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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">(98,346</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(37,348</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(681,989</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">645,772</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; margin-left: 1em; font-size: 10pt;">Periodic settlement differentials included in interest expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">95,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">91,468</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">284,680</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">184,892</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(2,705</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">54,120</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(397,309</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">830,664</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The Company recorded realized losses from the swap agreements in the interest expense line item of the consolidated statement of income. The following table summarizes the variable rate received and fixed rate paid under the swap agreements.</p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></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>
<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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Variable rate received</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.17</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">0.18</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.24</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; margin-left: 1em; font-size: 10pt;">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">0.95</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
</table>
<div><font style="font-family: times new roman,times;" size="2"><strong>7. Fair Value Disclosures </strong></font></div>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">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.  </font></p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"> </font></p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"><u>Assets and Liabilities Recorded at Fair Value on a Recurring Basis </u></font></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">The Company estimates the fair value of interst 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.</font></p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"><font style="font-family: times new roman,times;" size="2"> </font></p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="68%"></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"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2">Fair Value Measurement Using</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 41.5pt; font-family: times new roman; font-size: 8pt;"><font style="font-family: times new roman,times;" size="2"><b>Description </b></font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 1</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 2</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 3</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Fair Value</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Interest rate swap agreements:</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </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;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">December 31, 2013: 12</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </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; margin-left: 5em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Effective June 13, 20</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">181,976</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">181 976</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Effective August 13, 2012</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">(4,839</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">) </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(4,839</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">) </font></td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March 31, 2013</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">(504,852</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">) </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></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">(504,852</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">) </font></td>
</tr>
</table>
<p style="margin-top: 18pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"><u>Financial Instruments Not Measured at Fair Value </u></font></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">The Company’s financial instruments consist of finance receivables and the Line. For each of these financial instruments the carrying value approximates fair value.</font></p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">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.</font></p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">The Line was amended within the quarter ended December 31, 2012. 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 December 31, 2013 was estimated to be equal to the book value. The interest rate for the Line is a variable rate based on LIBOR pricing options.</font></p>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"><font style="font-family: times new roman,times;" size="2"> </font></p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2">Fair Value Measurement Using</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 41.5pt; font-family: times new roman; font-size: 8pt;"><font style="font-family: times new roman,times;" size="2"><b>Description </b></font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 1</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 2</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Level 3</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2">Fair</font><br /><font style="font-family: times new roman,times;" size="2">Value</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"> </font></td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Finance receivables:</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr>
<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>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">December 31, 2013</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">261,254,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">261,254,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March 31, 2013</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">—  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">249,826,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></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">249,826,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
</tr>
<tr>
<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>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Line of credit:</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr>
<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>
</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; margin-left: 3em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">December 31, 2013</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">127,000,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">127,000,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March 31, 2013</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">125,500,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">$</font></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"><font style="font-family: times new roman,times;" size="2">  </font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">  </font></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">125,500,000</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">  </font></td>
</tr>
</table>
<p style="margin-top: 18pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"><u>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis </u></font></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">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.</font></p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>8. Cash Dividend </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Dividends recorded during the nine months ended December 31, 2013 and 2012 were declared and paid as follows. 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. On May 2, 2012, the Company’s Board of Directors announced a quarterly cash dividend of $0.10 to be paid on June 6, 2012. On August 7, 2012 the Board of Directors declared a quarterly dividend equal to $0.12 per common share, to be paid on September 6, 2012 to shareholders of record as of August 30, 2012.</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of dividend tax.</p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><font size="3"></font> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 89.65pt; font-family: times new roman; font-size: 8pt;">Consolidated Balance Sheet</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>December 31,<br />2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>December 31,<br />2012 as Corrected</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Finance receivables, net</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">246,342,674</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(1,009,292</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">245,333,382</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; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,836,774</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">386,358</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,223,132</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; margin-left: 1em; font-size: 10pt;">Retained earnings, December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">94,230,663</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(622,934</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">93,607,729</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="53%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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="border-bottom: #000000 1pt solid; width: 183.9pt; font-family: times new roman; font-size: 8pt;">Consolidated Statement of Income – Three months ended<br />December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Interest and fee income on finance receivables</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">17,878,745</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,715,869</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">20,594,614</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">818,903</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,665,908</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,484,811</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; margin-left: 1em; font-size: 10pt;">Operating income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,424,906</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">49,961</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7,474,867</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; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,859,686</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">19,125</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,878,811</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,565,220</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">30,836</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,596,056</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; margin-left: 1em; font-size: 10pt;">Earnings per share - basic</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</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">0.38</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; margin-left: 1em; font-size: 10pt;">Earnings per share - diluted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.37</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.01</td>
<td valign="bottom" nowrap="nowrap"> </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></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="border-bottom: #000000 1pt solid; width: 227.65pt; font-family: times new roman; font-size: 8pt;">Consolidated Statement of Income – Nine months ended December 31,<br />2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Interest and fee income on finance receivables</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">52,910,831</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8,797,981</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">61,708,812</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,137,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,849,798</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; margin-left: 1em; font-size: 10pt;">Operating income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,566,882</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">85,798</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,652,680</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; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,466,187</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,843</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,499,030</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,100,695</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">52,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,153,650</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; margin-left: 1em; font-size: 10pt;">Earnings per share - basic</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.26</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.01</td>
<td valign="bottom" nowrap="nowrap"> </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.27</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; margin-left: 1em; font-size: 10pt;">Earnings per share - diluted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.24</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">1.24</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 12pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="56%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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="border-bottom: #000000 1pt solid; width: 199.6pt; font-family: times new roman; font-size: 8pt;">Consolidated Statements of Cash Flows (Operating Activities)</p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,<br />2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,<br />2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,100,695</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">52,955</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,153,650</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1,137,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,849,798</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; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">867,325</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">32,840</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">900,165</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; margin-left: 1em; font-size: 10pt;">Amortization of dealer discounts</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">(8,797,978</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(8,797,978</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; margin-left: 1em; font-size: 10pt;">Net cash provided by operating activities</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">16,701,812</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">16,701,812</td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="51%"></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="7%"></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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Three months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of year</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">34,100,661</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,743,844</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,356,817</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; margin-left: 1em; font-size: 10pt;">Discounts acquired on new volume</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,485,560</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(2,485,560</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">757,347</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,665,908</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,423,255</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,571,903</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">(5,571,903</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">786,891</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">786,891</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; margin-left: 1em; font-size: 10pt;">Discounts accreted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(404,994</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">404,994</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Balance at end of year</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">32,153,562</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,158,502</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">16,995,060</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt;"> </p>
<table align="center" style="width: 84%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="54%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Reported</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Correction</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Nine months ended<br />December 31,</b><br /><b>2012 as Corrected</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of year</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">35,495,684</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,996,476</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,499,208</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; margin-left: 1em; font-size: 10pt;">Discounts acquired on new volume</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,469,382</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(8,469,382</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; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">971,746</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">8,712,183</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,683,929</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(14,527,271</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">(14,527,271</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,339,194</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">2,339,194</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; margin-left: 1em; font-size: 10pt;">Discounts accreted</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(595,173</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">595,173</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Balance at end of year</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">32,153,562</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(15,158,502</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">16,995,060</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="54%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">Numerator for earnings per share – net income</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,826,768</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,596,056</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,843,813</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15,153,650</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px 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; margin-left: 1em; font-size: 10pt;">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; margin-left: 3em; font-size: 10pt;">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">12,108,988</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">11,981,627</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">12,088,835</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">11,961,886</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; margin-left: 3em; font-size: 10pt;">Effect of dilutive securities:</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="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 1pt; margin-left: 5em; font-size: 10pt;">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">225,191</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">211,831</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">197,136</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">229,895</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 3em; font-size: 10pt;">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">12,334,179</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">12,193,458</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">12,285,971</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">12,191,781</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">Basic</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.32</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.15</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.27</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">Diluted</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.31</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.13</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">1.24</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 76%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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" valign="bottom" colspan="2"><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom" colspan="2"><b>March 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">411,105,001</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">395,721,730</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; margin-left: 1em; font-size: 10pt;">Unearned interest</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(119,523,851</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(112,922,191</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">291,581,150</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">282,799,539</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; margin-left: 1em; font-size: 10pt;">Unearned dealer discounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(16,708,367</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">(16,415,169</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">274,872,783</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">266,384,370</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; margin-left: 1em; font-size: 10pt;">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">(13,618,459</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">(16,558,569</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Finance receivables, net</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">261,254,324</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">249,825,801</td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,479,022</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,356,817</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,090,652</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">19,499,208</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; margin-left: 1em; font-size: 10pt;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,157,616</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">3,423,255</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,525,262</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,683,929</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,540,334</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(5,571,903</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(16,218,673</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(14,527,271</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">884,373</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">786,891</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,583,436</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2,339,194</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">12,980,677</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,995,060</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,980,677</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">16,995,060</td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="60%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended<br />December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Balance at beginning of period</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">659,615</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">531,101</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">467,917</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">492,184</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; margin-left: 1em; font-size: 10pt;">Current period provision</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">25,419</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">61,556</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">272,668</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">165,869</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; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(56,424</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(57,006</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(126,997</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">(131,201</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; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">9,172</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6,739</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">24,194</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">15,538</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">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">637,782</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">542,390</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">637,782</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">542,390</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="51%"></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 style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>                                                December 31,</b><br /><b>                                                        2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>March 31,</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: #000000 1pt solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Direct Loans</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Contracts</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">Non-bankrupt accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">395,782,832</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,301,076</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,324,594</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,721,768</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; margin-left: 1em; font-size: 10pt;">Bankrupt accounts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">4,002,282</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">18,811</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">615,499</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,940,093</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,721,768</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Performing accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">389,390,841</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,236,408</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">382,843,130</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">5,685,981</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; margin-left: 1em; font-size: 10pt;">Non-performing accounts</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">10,394,273</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">83,479</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">4,096,963</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">35,787</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">386,940,093</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">5,721,768</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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"> </td>
<td valign="bottom">  </td>
<td valign="bottom" colspan="2"> </td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="14"><b>Delinquencies</b></td>
<td valign="bottom"> </td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 33.75pt; font-family: times new roman; font-size: 8pt;"><b>Contracts</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">December 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">399,785,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,740,543</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,200,159</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,194,114</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">29,134,816</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">4.69</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.30</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.30</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">7.29</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; margin-left: 1em; font-size: 10pt;">December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">380,519,395</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">17,287,813</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,529,766</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,254,123</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">24,071,702</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">4.54</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.19</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.59</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">6.32</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
<tr>
<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="border-bottom: #000000 1pt solid; width: 44.2pt; font-family: times new roman; font-size: 8pt;"><b>Direct Loans</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; margin-left: 1em; font-size: 10pt;">December 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,319,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">176,446</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">40,887</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">42,592</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">259,925</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">1.56</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">2.30</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; margin-left: 1em; font-size: 10pt;">December 31, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8,861,098</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">116,251</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">29,295</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,501</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">168,047</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">1.31</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.33</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.25</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.89</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td></td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 76%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">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" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">New contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">50,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Matured contracts</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap"> </td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom">  </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Notional amounts at December 31</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</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>
</tr>
</table>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="49%"></td>
<td valign="bottom" width="3%"></td>
<td width="13%"></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 width="15%"></td>
</tr>
<tr style="font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; width: 45.55pt; font-family: times new roman; font-size: 8pt;"><b>Date Entered</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom">
<p align="center" style="margin-top: 0pt; font-family: times new roman; margin-bottom: 1pt; font-size: 8pt;"><b>Effective Date</b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Notional Amount</b></td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Fixed Rate<br />Of Interest</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom">
<p align="center" style="margin-top: 0pt; font-family: times new roman; margin-bottom: 1pt; font-size: 8pt;"><b>Maturity Date</b></p>
</td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="2"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="2"></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; margin-left: 1em; font-size: 10pt;">June 1, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" valign="bottom">June 13, 2012</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">25,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">1.00</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom">June 13, 2017</td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="2"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="2"></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; margin-left: 1em; font-size: 10pt;">July 30, 2012</p>
</td>
<td valign="bottom">  </td>
<td align="center" valign="bottom">August 13, 2012</td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">25,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.87</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td align="center" valign="bottom">August 14, 2017</td>
</tr>
</table>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"> </p>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="63%"></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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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">(98,346</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(37,348</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(681,989</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">645,772</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; margin-left: 1em; font-size: 10pt;">Periodic settlement differentials included in interest expense</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">95,641</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">91,468</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">284,680</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">184,892</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: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 1px solid;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 1px 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; margin-left: 1em; font-size: 10pt;">Total</p>
</td>
<td valign="bottom"><font style="font-size: 8pt;">  </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(2,705</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">54,120</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"><font style="font-size: 8pt;"> </font></td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(397,309</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">830,664</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: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
<td valign="bottom"> </td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td valign="bottom">
<p style="border-top: #000000 3px double;"> </p>
</td>
<td> </td>
</tr>
</table>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></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>
<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: #000000 1pt solid;" valign="bottom" colspan="6"><b>Three months ended</b><br /><b>December 31,</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><b>Nine months ended</b><br /><b>December 31,</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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2013</b></td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2012</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; margin-left: 1em; font-size: 10pt;">Variable rate received</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.17</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">0.18</td>
<td valign="bottom" nowrap="nowrap">% </td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="right" valign="bottom">0.24</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; margin-left: 1em; font-size: 10pt;">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">0.95</td>
<td valign="bottom" nowrap="nowrap">% </td>
</tr>
</table>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="68%"></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: #000000 1pt 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="border-bottom: #000000 1pt solid; width: 41.5pt; font-family: times new roman; font-size: 8pt;"><b>Description </b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom"> </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Fair Value</td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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; margin-left: 3em; font-size: 10pt;">December 31, 2013: 12</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; margin-left: 5em; font-size: 10pt;">Effective June 13, 20</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">$</td>
<td align="right" valign="bottom" nowrap="nowrap">181,976</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom"> </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">181 976</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;">Effective August 13, 2012</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">(4,839</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(4,839</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">March 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">(504,852</td>
<td valign="bottom" nowrap="nowrap">) </td>
<td valign="bottom"> </td>
<td valign="bottom" nowrap="nowrap">$</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">(504,852</td>
<td valign="bottom" nowrap="nowrap">) </td>
</tr>
</table>
<table align="center" style="width: 92%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" 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: #000000 1pt 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="border-bottom: #000000 1pt solid; width: 41.5pt; font-family: times new roman; font-size: 8pt;"><b>Description </b></p>
</td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 1</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 2</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Level 3</td>
<td valign="bottom"> </td>
<td valign="bottom">  </td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2">Fair<br />Value</td>
<td valign="bottom"> </td>
</tr>
<tr>
<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>
</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; margin-left: 1em; font-size: 10pt;">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>
<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>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">December 31, 2013</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">261,254,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">261,254,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;">March 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</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">249,826,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">249,826,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 1em; font-size: 10pt;">Line of credit:</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">  </td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 3em; font-size: 10pt;">December 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">127,000,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
</tr>
<tr>
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: times new roman; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: times new roman; margin-left: 5em; font-size: 10pt;">March 31, 2013</p>
</td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">—  </td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">125,500,000</td>
<td valign="bottom" nowrap="nowrap">  </td>
<td valign="bottom">  </td>
<td valign="bottom" nowrap="nowrap">$</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">125,500,000</td>
</tr>
</table>
16995060
542390
16090652
467917
16558569
12980677
637782
13618459
18356817
531101
34100661
32153562
-15743844
-15158502
19499208
492184
35495684
-15996476
13479022
659615
2485560
-2485560
8469382
-8469382
5571903
57006
5571903
14527271
131201
14527271
5540334
56424
16218673
126997
786891
6739
786891
2339194
15538
2339194
884373
9172
2583436
24194
-404994
404994
-595173
595173
0.0859
0.0847
P60D
0.01
4132000
10478000
11981627
11961886
12108988
12088835
211831
229895
225191
197136
12193458
12191781
12334179
12285971
114500
114500
10000
10000
380519395
8861098
386940093
5721768
386324594
615499
382843130
4096963
5721768
5685981
35787
395721730
399785114
11319887
395782832
4002282
389390841
10394273
11301076
18811
11236408
83479
411105001
112922191
119523851
282799539
291581150
16415169
16708367
266384370
274872783
17287813
116251
18740543
176446
0.0454
0.0131
0.0469
0.0156
4529766
29295
5200159
40887
0.0119
0.0033
0.0130
0.0036
2254123
22501
5194114
42592
0.0059
0.0025
0.0130
0.0038
24071702
168047
29134816
259925
0.0632
0.0189
0.0729
0.0230
P72M
P12M
P48M
P6M
0.2331
0.2584
0.2312
0.2633
0.03
0.94
P61D
P61D
P120D
150000000
0.03
0.04
0.04
0.01
125500000
127000000
24500000
23000000
30-day LIBOR
50000000
50000000
50000000
50000000
2012-06-01
2012-07-30
2012-06-01
2012-07-30
2012-06-01
2012-07-30
2012-06-01
2012-07-30
2012-06-13
2012-08-13
2012-06-13
2012-08-13
2012-06-13
2012-08-13
2012-06-13
2012-08-13
25000000
25000000
25000000
25000000
0.0100
0.0087
0.0100
0.0087
2017-06-13
2017-08-14
2017-06-13
2017-08-14
2017-06-13
2017-08-14
2017-06-13
2017-08-14
-37348
645772
-98346
-681989
91468
184892
95641
284680
54120
830664
-2705
-397309
0.0021
0.0024
0.0017
0.0018
0.0094
0.0095
0.0094
0.0094
181976
181976
-4839
-4839
-504852
-504852
249826000
249826000
261254000
261254000
125500000
125500000
127000000
127000000
0.10
0.12
0.12
0.12
0.05
2012-05-02
2012-08-07
2013-05-07
2013-08-13
2012-06-06
2012-09-06
2013-06-28
2013-09-27
2012-08-30
2013-06-21
2013-09-20
187220
639032
1060863
2012249
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>10. Contingencies </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">The following is a brief summary of litigation filed against the Company related to the Arrangement Agreement:</p>
<p style="margin-top: 12pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">Jason Simpson v. Nicholas Financial, Inc., et al., Case No. 13-011726-CI (Circuit Court, Pinellas County, Florida), filed December 24, 2013; Gabriella Rago v. Nicholas Financial, Inc., et al., Case No. 8:13-cv-03261-VMC-TGW (U.S. District Court, Tampa, Florida), filed December 30, 2013; Matthew John Leonard v. Nicholas Financial, Inc., et al., Case No. 13-011811-CI (Circuit Court, Pinellas County, Florida), filed December 31, 2013; Michelangelo Lombardo v. Nicholas Financial, Inc., et al., Case No. 14-000095-CI (Circuit Court, Pinellas County, Florida), filed January 3, 2014; and Edward Opton v. Stephen Bragin, et al., Case No. 14-000139-CI (Circuit Court, Pinellas County, Florida), filed January 6, 2014. The five pending, substantially similar lawsuits were filed in connection with the Arrangement contemplated by the Arrangement Agreement. Each plaintiff purports to represent a class of all of the Company’s shareholders other than the defendants and any person or entity related to or affiliated with any defendant. Four of the lawsuits name as defendants the Company, the Company’s directors, Prospect, and the Prospect affiliates that are parties to the Arrangement Agreement (collectively, Prospect and such affiliates are referred to as the “Prospect Parties”). The fifth lawsuit names those same parties as defendants, with the exception of two of the Prospect Parties. Each plaintiff alleges that the consideration to be paid for the Company’s Common Shares is inadequate and that certain terms of the Arrangement Agreement are contrary to the interests of the Company’s public shareholders. Each plaintiff asserts a breach of fiduciary duty claim against the Company’s directors, and an aiding and abetting claim against the Company and/or certain of the Prospect Parties. The plaintiff to the U.S. District Court action also asserts claims under Sections 14(a) and 20(a) of the Securities Exchange Act of 1934 against the Company, the Company’s directors and/or Prospect, alleging that the Registration Statement on Form N-14 filed by Prospect on January 13, 2014 misrepresents and omits certain material information related to the proposed transaction. Each plaintiff seeks declaratory relief, injunctive relief, other equitable relief and/or damages with respect to the proposed transaction, and an award of attorneys’ fees. The Prospect Parties, the Company and the Company’s directors do not believe that there is any merit to any of the pending actions, and they intend to defend vigorously against such actions.</p>
<p style="margin-top: 0pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;"><b>9. Arrangement Agreement </b></p>
<p style="margin-top: 6pt; font-family: times new roman; margin-bottom: 0pt; font-size: 10pt;">On December 17, 2013, the Company entered into an Arrangement Agreement (the “Arrangement Agreement”) whereby the Company has agreed to sell all of its issued and outstanding Common Shares to an indirect wholly-owned subsidiary of Prospect Capital Corporation (“Prospect”) pursuant to a plan of arrangement (the “Arrangement”) under the Business Corporations Act (British Columbia).</p>
5