0000012659
2009-11-01
2010-01-31
0000012659
2008-11-01
2009-01-31
0000012659
2009-01-31
0000012659
2008-04-30
0000012659
2010-01-31
0000012659
2009-04-30
0000012659
2008-05-01
2009-01-31
0000012659
2010-02-28
0000012659
2009-05-01
2010-01-31
iso4217:USD
xbrli:shares
iso4217:USD
xbrli:shares
false
--04-30
2010-01-31
10-Q
0000012659
329233821
Large Accelerated Filer
H&R BLOCK INC
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">3. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Earnings (Loss) Per Share and Stockholders’ Equity</font></b></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Basic and diluted earnings (loss) per share is computed using the two-class method. See note 15 for additional information on our adoption of the two-class method. The two-class method is an earnings allocation formula that determines net income per share for each class of common stock and participating security according to dividends declared and participation rights in undistributed earnings. Per share amounts are computed by dividing net income from continuing operations attributable to common shareholders by the weighted average shares outstanding during each period.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The dilutive effect of potential common shares is included in diluted earnings per share except in those periods with a loss from continuing operations. Diluted earnings per share excludes the impact of shares of common stock issuable upon the lapse of certain restrictions or the exercise of options to purchase 9.6 million shares and 16.0 million shares for the three months ended January 31, 2010 and 2009, respectively, as the effect would be antidilutive. Diluted earnings per share excludes the impact of shares of common stock issuable upon the lapse of certain restrictions or the exercise of options to purchase 16.8 million shares and 20.2 million shares for the nine months ended January 31, 2010 and 2009, respectively, as the effect would be antidilutive due to the net loss from continuing operations during each period.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The computations of basic and diluted loss per share from continuing operations are as follows:</div>
<div style="margin-top: 3pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="57%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="16"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s, except per share amounts)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Three Months Ended January 31,</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Nine Months Ended January 31,</font></td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Net income (loss) from continuing operations attributable to shareholders</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">53,603</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,830</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(203,486</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(194,754</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Amounts allocated to participating securities (nonvested shares)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(203</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(219</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(530</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(613</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Net income (loss) from continuing operations attributable to common shareholders</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">53,400</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,611</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(204,016</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(195,367</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Basic weighted average common shares</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">332,999</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">337,338</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">334,293</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">331,429</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Potential dilutive shares</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,298</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,349</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Dilutive weighted average common shares</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">334,297</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">338,687</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">334,293</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">331,429</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Earnings (loss) per share from continuing operations attributable to common shareholders:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 27pt; text-indent: -9pt;">Basic</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">0.16</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">0.20</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(0.61</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(0.59</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 27pt; text-indent: -9pt;">Diluted</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">0.16</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">0.20</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(0.61</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(0.59</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="17"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The weighted average shares outstanding for the three and nine months ended January 31, 2010 totaled 333.0 million and 334.3 million, respectively, compared to 337.3 million and 331.4 million for the three and nine months ended January 31, 2009, respectively.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">During the three months ended January 31, 2010, we purchased and immediately retired 6.8 million shares of our common stock at a cost of $150.0 million. We may continue to repurchase and retire common stock or retire shares held in treasury in the future. The cost of shares retired during the period was allocated to the components of stockholders’ equity as follows:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="90%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" colspan="4"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="4"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Common stock</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">68</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Additional paid-in capital</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,095</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Retained earnings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">145,839</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">150,002</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="5"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="5"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">During the nine months ended January 31, 2010 and 2009, we issued 2.2 million and 5.7 million shares of common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">During the nine months ended January 31, 2010, we acquired 0.2 million shares of our common stock at an aggregate cost of $4.2 million, and during the nine months ended January 31, 2009, we acquired 0.4 million shares at an aggregate cost of $7.4 million. Shares acquired during these periods represented shares swapped or surrendered to us in connection with the vesting of nonvested shares and the exercise of stock options.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">During the nine months ended January 31, 2010, we granted 4.6 million stock options and 0.9 million nonvested shares and units in accordance with our stock-based compensation plans. The weighted average fair value of options granted was $3.27 for management options and $2.70 for options granted to our seasonal associates. Stock-based compensation expense totaled $7.2 million and $19.3 million for the three and nine months ended January 31, 2010, respectively, and $7.0 million and $20.0 million for the three and nine months ended January 31, 2009, respectively. At January 31, 2010, unrecognized compensation cost for options totaled $14.0 million, and for nonvested shares and units totaled $19.8 million.</div>
<p style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="center"><!-- XBRL,n --> </p>
</div>
</div>
</div><!-- body --></div></div> </div>
11484000
8654000
351947000
344922000
512814000
2566830000
543967000
118079000
705945000
756501000
625075000
653866000
-11639000
1086000
836477000
826503000
128541000
86853000
5359722000
7410129000
2571080000
4724742000
664897000
1269203000
1654663000
1727677000
604306000
73014000
4783000
255066000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="4%"></td>
<td width="96%"></td>
</tr>
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">12. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Commitments and Contingencies</font></b></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Changes in deferred revenue balances related to our Peace of Mind (POM) program, the current portion of which is included in accounts payable, accrued expenses and other current liabilities and the long-term portion of which is included in other noncurrent liabilities in the condensed consolidated balance sheets, are as follows:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="79%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Nine Months Ended January 31,</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Balance, beginning of period</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">146,807</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">140,583</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Amounts deferred for new guarantees issued</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">21,139</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,480</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Revenue recognized on previous deferrals</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(58,122)</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(56,375)</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Balance, end of period</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">109,824</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">107,688</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="9"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="9"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The following table summarizes certain of our other contractual obligations and commitments:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="69%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="12%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="10%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">April 30, 2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Franchise Equity Lines of Credit – undrawn commitment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">20,629</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">38,055</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Contingent business acquisition obligations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">25,990</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">24,165</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Media advertising purchase obligation</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">39,865</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">45,768</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="9"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="9"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We routinely enter into contracts that include embedded indemnifications that have characteristics similar to guarantees. Guarantees and indemnifications of the Company and its subsidiaries include obligations to protect counterparties from losses arising from the following: (1) tax, legal and other risks related to the purchase or disposition of businesses; (2) penalties and interest assessed by federal and state taxing authorities in connection with tax returns prepared for clients; (3) indemnification of our directors and officers; and (4) third-party claims relating to various arrangements in the normal course of business. Typically, there is no stated maximum payment related to these indemnifications, and the terms of the indemnities may vary and in many cases are limited only by the applicable statute of limitations. The likelihood of any claims being asserted against us and the ultimate liability related to any such claims, if any, is difficult to predict. While we cannot provide assurance we will ultimately prevail in the event any such claims are asserted, we believe the fair value of guarantees and indemnifications relating to our continuing operations is not material as of January 31, 2010.</div>
</div>
</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Discontinued Operations</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Sand Canyon Corporation (SCC) maintains recourse with respect to loans previously sold or securitized under indemnification of loss provisions relating to breach of representations and warranties made to purchasers or insurers.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">At January 31, 2010 and April 30, 2009, our loan repurchase reserve totaled $198.3 million and $206.6 million, respectively. This liability is included in accounts payable, accrued expenses and other current liabilities on our condensed consolidated balance sheets.</div>
<!-- XBRL,n -->
<p> </p>
</div><!-- body --></div></div> </div>
0.44
0.15
0.45
0.15
0.01
0.01
800000000
800000000
444176510
437352210
4442000
4374000
-240330000
41985000
-198861000
51655000
1489652000
684567000
1443146000
645747000
1953706000
893381000
1870709000
840408000
8782000
2576000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
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<td width="4%"></td>
<td width="96%"></td>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">7. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Borrowings</font></b></td>
</tr>
</table>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Borrowings consist of the following:</div>
<div style="margin-top: 3pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
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<td width="2%"> </td>
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<td align="right" width="1%"> </td>
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<td width="3%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="12%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="10%"> </td>
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<td align="left" width="1%"> </td>
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<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="12"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">April 30, 2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Short-term borrowings:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Commercial paper</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">792,594</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">HSBC credit facility</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">882,500</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">690,485</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,675,094</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">690,485</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Long-term borrowings:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">CLOC borrowings, due August 2010</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">970,813</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">Senior Notes, 7.875%, due January 2013</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">599,633</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">599,507</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">599,539</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">Senior Notes, 5.125%, due October 2014</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">398,882</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">398,648</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">398,706</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Other</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">36,861</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">42,709</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">42,659</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,035,376</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,011,677</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,040,904</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Less: Current portion</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,576</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(9,030</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(8,782</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,032,800</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,002,647</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,032,122</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="13"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">At January 31, 2010, we maintained $1.95 billion in revolving credit facilities to support commercial paper issuances and for general corporate purposes. These unsecured committed lines of credit (CLOCs) have a maturity date of August 2010 and an annual facility fee in a range of six to fifteen basis points per annum, based on our credit ratings. We had no balance outstanding under our CLOCs as of January 31, 2010, as we resumed our commercial paper program. The CLOCs, among other things, require we maintain at least $650.0 million of net worth on the last day of any fiscal quarter. We had net worth of $936.5 million at January 31, 2010.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On March 4, 2010, we entered into a new CLOC agreement to support commercial paper issuances and for general corporate purposes, which replaced the CLOCs discussed above. This new facility provides funding of up to $1.7 billion and has a maturity date of July, 31 2013. This facility bears interest in a range of LIBOR plus 130 to 280 basis points per annum on any drawn balances and an annual facility fee in a range of 20 to 70 basis points per annum of committed amounts, based on our credit ratings. The covenants of the new agreement are substantially similar to the previous CLOCs, and continue to include that (1) we maintain at least $650.0 million of net worth on the last day of any fiscal quarter and (2) we reduce the aggregate outstanding principal amount of short-term debt, as defined in the agreement, to $200.0 million or less for thirty consecutive days during the period from March 1 to June 30 of each year (the “Clean-down requirement”).</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We entered into a committed line of credit agreement with HSBC Bank USA, National Association (HSBC) effective January 12, 2010 for use as a funding source for the purchase of refund anticipation loan (RAL) participations. This line provides funding totaling $2.5 billion through March 30, 2010 and $120.0 million thereafter through June 30, 2010. This line is subject to various covenants that are similar to our primary CLOCs, and is secured by our RAL participations. At January 31, 2010, there was $882.5 million outstanding on this facility.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">H&R Block Bank (HRB Bank) is a member of the Federal Home Loan Bank (FHLB) of Des Moines, which extends credit to member banks based on eligible collateral. At January 31, 2010, HRB Bank had total FHLB advance capacity of $252.0 million. There was $100.0 million outstanding on this facility, leaving remaining availability of $152.0 million. Mortgage loans held for investment of $487.7 million serve as eligible collateral and are used to determine total capacity.</div>
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854888000
2220501000
-0.67
0.14
-0.63
0.15
-0.67
0.14
-0.63
0.15
10336000
259698000
182151000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="4%"></td>
<td width="96%"></td>
</tr>
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">10. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Fair Value</font></b></td>
</tr>
</table>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The following table presents for each hierarchy level the financial assets that are measured at fair value on both a recurring and non-recurring basis at January 31, 2010:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="55%"> </td>
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<td width="2%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="6%"> </td>
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<td align="left" width="1%"> </td>
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<td width="5%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="3%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="5%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="5%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 --></tr>
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<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="14"><font class="_mt" style="font-family: Arial, Helvetica;">(dollars in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Total</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Level 1</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Level 2</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Level 3</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Recurring:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;"><font class="_mt" style="white-space: nowrap;">Available-for-sale</font> securities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">40,956</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">40,956</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Non-recurring:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">Impaired mortgage loans held for investment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">244,757</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">244,757</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">285,713</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">40,956</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">244,757</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">As a percentage of total assets</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3.9%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">0.6%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3.3%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="17"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">There were no significant changes to the unobservable inputs used in determining the fair values of our level 2 and level 3 financial assets.</div>
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</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The carrying amounts and estimated fair values of our financial instruments at January 31, 2010 are as follows:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="right"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(in 000s)</font></div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="53%"> </td>
<!-- colindex=01 type=maindata -->
<td width="1%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="21%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="1%"> </td>
<!-- colindex=04 type=gutter -->
<td width="6%"> </td>
<!-- colindex=04 type=maindata --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Carrying<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Estimated<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Fair Value</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Mortgage loans held for investment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">641,157</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">473,633</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">IRAs and other time deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">747,831</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">747,148</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Long-term debt</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,035,376</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,144,323</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="11"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<!-- XBRL,n -->
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<p> </p>
</div><!-- body --></div></div> </div>
75000000
75000000
25000000
25000000
850230000
843054000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="4%"></td>
<td width="96%"></td>
</tr>
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">6. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Goodwill and Intangible Assets</font></b></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Changes in the carrying amount of goodwill for the nine months ended January 31, 2010 consist of the following:</div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="51%"> </td>
<!-- colindex=01 type=maindata -->
<td width="6%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="6%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="12%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="6%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="12"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Tax Services</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Business Services</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Total</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance at April 30, 2009:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Goodwill</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">449,779</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">402,639</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">852,418</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Accumulated impairment losses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,188</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,188</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">447,591</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">402,639</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">850,230</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Changes:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Acquisitions</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">9,378</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">9,378</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Other</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(530</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,024</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,554</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Impairments</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(15,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(15,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance at January 31, 2010:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Goodwill</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">458,627</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">401,615</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">860,242</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Accumulated impairment losses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,188</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(15,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(17,188</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">456,439</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">386,615</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">843,054</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="13"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We test goodwill for impairment annually at the beginning of our fourth quarter, or more frequently if events occur which could, more likely than not, reduce the fair value of a reporting unit’s net assets below its carrying value.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">RSM EquiCo, Inc. (RSM EquiCo) is a separate reporting unit within our Business Services segment with goodwill totaling approximately $29 million. RSM EquiCo assists clients with capital markets transactions and has experienced declining revenues and profitability in the current economic environment. Accordingly, we evaluated RSM EquiCo’s goodwill for impairment at January 31, 2010. The measurement of impairment of goodwill consists of two steps. In the first step, we compared the fair value of RSM EquiCo, determined using discounted cash flows, to its carrying value. As the results of the first test indicated that the fair value of RSM EquiCo was less than its carrying value, we then performed the second step, which was to determine the implied fair value of RSM EquiCo’s goodwill, and to compare that to its carrying value. The second step included hypothetically valuing all of the tangible and intangible assets of RSM EquiCo. As a result, we recorded an impairment of the reporting unit’s goodwill of $15.0 million during the three months ended January 31, 2010, leaving a remaining goodwill balance of approximately $14 million. The impairment is included in selling, general and administrative expenses on the condensed consolidated statements of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Intangible assets consist of the following:</div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="34%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=07 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=07 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=07 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=07 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="center" colspan="10"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">April 30, 2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Gross<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Gross<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Carrying<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Accumulated<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Carrying<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Accumulated<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amortization</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Net</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amortization</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Net</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Tax Services:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Customer relationships</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">65,544</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(31,199</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">34,345</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">54,655</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(25,267</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">29,388</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Noncompete agreements</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">22,875</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(21,073</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,802</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,263</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(20,941</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,322</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Reacquired franchise rights</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">223,773</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,021</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">218,752</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">229,438</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,838</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">227,600</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Franchise agreements</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">19,201</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,493</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">17,708</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">19,201</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(533</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">18,668</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Purchased technology</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">14,500</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,708</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8,792</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">12,500</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(4,240</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8,260</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Trade name</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,325</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(350</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">975</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,025</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(217</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">808</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Business Services:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Customer relationships</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">145,177</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(117,890</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">27,287</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">146,040</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(111,017</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">35,023</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Noncompete agreements</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33,117</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(21,596</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,521</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33,068</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(19,908</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">13,160</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Trade name – amortizing</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,600</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,600</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,600</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,600</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Trade name – <font class="_mt" style="white-space: nowrap;">non-amortizing</font></div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">55,637</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(4,868</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,769</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">55,637</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(4,868</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,769</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">583,749</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(211,798</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">371,951</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">577,427</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(191,429</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">385,998</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="25"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Amortization of intangible assets for the three and nine months ended January 31, 2010 was $7.1 million and $21.4 million, respectively, and $6.8 million and $20.4 million, for the three and nine months ended January 31, 2009, respectively. Estimated amortization of intangible assets for fiscal years 2010 through 2014 is $30.1 million, $27.9 million, $24.9 million, $20.5 million and $17.1 million, respectively.</div>
<p style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="center"><!-- XBRL,n --><br />
</p>
</div>
<div> </div>
</div><!-- body --></div></div> </div>
-338684000
101739000
-326275000
97451000
-194754000
66830000
-203486000
53603000
-0.59
0.2
-0.61
0.16
-0.59
0.2
-0.61
0.16
-26476000
-19467000
-8100000
-2968000
-0.08
-0.06
-0.02
-0.01
-0.08
-0.06
-0.02
-0.01
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<div>
<div> </div>
<div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="4%"></td>
<td width="96%"></td>
</tr>
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">8. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Income Taxes</font></b></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We file a consolidated federal income tax return in the United States and file tax returns in various state and foreign jurisdictions. Consolidated tax returns for the years 1999 through 2007 are currently under examination by the Internal Revenue Service. Tax years prior to 1999 are closed by statute. Historically, tax returns in various foreign and state jurisdictions are examined and settled upon completion of the exam.</div>
</div>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">During the nine months ended January 31, 2010, we accrued additional gross interest and penalties of $5.6 million related to our uncertain tax positions. We had gross unrecognized tax benefits of $124.8 million and $124.6 million at January 31, 2010 and April 30, 2009, respectively. The gross unrecognized tax benefits increased $0.2 million in the current year, due primarily to interest accrual on positions related to prior years. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as long-term at January 31, 2010, which is included in other noncurrent liabilities on the condensed consolidated balance sheets.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Based upon the expiration of statutes of limitations, payments of tax and other factors in several jurisdictions, we believe it is reasonably possible that the total gross amount of reserves for previously unrecognized tax benefits may decrease by approximately $18.2 million within twelve months of January 31, 2010. This portion of our liability for unrecognized tax benefits has been classified as current and is included in accounts payable, accrued expenses and other current liabilities on the condensed consolidated balance sheets.</div>
<!-- XBRL,n -->
<p> </p>
</div>
<p> </p>
<p> </p>
</div><!-- body --></div></div> </div>
-13006000
269774000
-143930000
34909000
-122789000
43848000
1326584000
1365163000
385998000
371951000
93498000
58604000
72746000
48346000
70891000
61118000
3953863000
6473662000
5359722000
7410129000
2398280000
4979902000
84073000
97269000
744899000
641157000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">4. </font></b> <strong>Receivables</strong></td>
<td></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Receivables consist of the following:</div>
<div style="margin-top: 3pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="52%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="12%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="12%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="10%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="12"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">April 30, 2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="12"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Participation in tax client loans</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,109,795</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,122,347</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">29,616</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Emerald Advance lines of credit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">667,859</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">688,663</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">64,029</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Business Services receivables</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">324,085</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">335,893</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">322,636</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Receivables for tax preparation and related fees</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">286,732</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">309,379</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,400</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Royalties from franchisees</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">82,943</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">80,603</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8,741</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Loans to franchisees</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">70,706</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,317</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">48,831</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Other</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">111,563</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">125,076</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">117,102</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,653,683</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,728,278</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">641,355</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Allowance for doubtful accounts</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(86,853</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(85,327</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(128,541</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,566,830</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,642,951</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">512,814</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="13"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<!-- XBRL,n -->
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
</div><!-- body --></div></div> </div>
1032122000
1032800000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<div>
<table style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: Arial,Helvetica; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial,Helvetica;">5. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial,Helvetica;">Mortgage Loans Held for Investment and Related Assets</font></b></td>
</tr>
</table>
<!-- XBRL,body -->
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left">The composition of our mortgage loan portfolio as of January 31, 2010 and April 30, 2009 is as follows:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div>
<table style="font-size: 9pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="47%"> </td>
<!-- colindex=01 type=maindata -->
<td width="1%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="5%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="9%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="1%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial,Helvetica;">(dollars in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial,Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial,Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial,Helvetica;">April 30, 2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">% of Total</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">% of Total</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Adjustable-rate loans</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">449,758</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">61</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">534,943</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">65</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Fixed-rate loans</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">283,040</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">39</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">286,894</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">35</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">732,798</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">100</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">821,837</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">100</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">%</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Unamortized deferred fees and costs</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">5,628</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,135</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Less: Allowance for loan losses</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(97,269</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(84,073</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">641,157</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">744,899</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" colspan="17"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: rgb(0,0,0) 1px solid;" colspan="17"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: rgb(255,255,255); margin-left: 0%; color: rgb(0,0,0); margin-right: 0%; font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left"></div>
<!-- XBRL Pagebreak Begin -->
<p style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="center"><br />
</p>
</div>
<h5 style="page-break-before: always;" align="left"> </h5>
<div style="margin-left: 6%; width: 88%;"><!-- BEGIN PAGE WIDTH --><!-- XBRL -->
<div style="margin-top: 0pt; font-size: 1pt;"> </div>
<!-- XBRL Pagebreak End -->
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left">Activity in the allowance for loan losses for the nine months ended January 31, 2010 and 2009 is as follows:</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="right"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">(in 000s)</font></div>
<div>
<table style="font-size: 9pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="57%"> </td>
<!-- colindex=01 type=maindata -->
<td width="1%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="21%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="1%"> </td>
<!-- colindex=04 type=gutter -->
<td width="6%"> </td>
<!-- colindex=04 type=maindata --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">Nine Months Ended January 31,</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance, beginning of the period</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">84,073</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">45,401</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Provision</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">36,050</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">51,953</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Recoveries</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">38</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">50</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Charge-offs</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(22,892</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(21,789</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance, end of the period</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,269</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">75,615</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: rgb(0,0,0) 1px solid;" colspan="11"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left"></div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left">Our loan loss reserve as a percent of mortgage loans was 13.27% at January 31, 2010, compared to 10.23% at April 30, 2009.</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left">In cases where we modify a loan and in so doing grant a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (TDR). TDR loans totaled $153.4 million and $160.7 million at January 31, 2010 and April 30, 2009, respectively. The principal balance of impaired loans and real estate owned as of January 31, 2010 and April 30, 2009 is as follows:</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="right"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">(in 000s)</font></div>
<div>
<table style="font-size: 9pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="45%"> </td>
<!-- colindex=01 type=maindata -->
<td width="1%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="12%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="21%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="10%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="1%"> </td>
<!-- colindex=04 type=gutter -->
<td width="6%"> </td>
<!-- colindex=04 type=maindata --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">As of</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">January 31, 2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">April 30, 2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Impaired loans:</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">30 – 59 days</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">894</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">60 – 89 days</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">12,210</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">21,415</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">90+ days, non-accrual</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">162,391</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">121,685</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">TDR loans, accrual</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">103,894</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">60,044</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">TDR loans, non-accrual</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">49,538</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,697</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">328,927</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">303,841</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Real estate owned<sup style="font-size: 85%; vertical-align: top;">(1)</sup></div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">31,511</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">44,533</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Total non-performing assets</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">360,438</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">348,374</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: rgb(0,0,0) 1px solid;" colspan="11"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left"></div>
<table style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="5%"></td>
<td width="1%"></td>
<td width="94%"></td>
</tr>
<tr>
<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial,Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></font></td>
<td></td>
<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial,Helvetica;">Includes loans accounted for as in-substance foreclosures of $16.4 million and $27.4 million at January 31, 2010 and April 30, 2009, respectively.</font></td>
</tr>
</table>
<div style="font-size: 3pt; width: 100%; border-bottom: rgb(0,0,0) 1pt solid;"></div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left">Activity related to our real estate owned is as follows:</div>
<div style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="right"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">(in 000s)</font></div>
<div>
<table style="font-size: 9pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="57%"> </td>
<!-- colindex=01 type=maindata -->
<td width="1%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="21%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="1%"> </td>
<!-- colindex=04 type=gutter -->
<td width="6%"> </td>
<!-- colindex=04 type=maindata --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">Nine Months Ended January 31,</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial,Helvetica;">2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: rgb(0,0,0) 1px solid;" valign="bottom" align="right" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance, beginning of the period</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">44,533</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">350</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Additions</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">12,689</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">62,774</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Sales</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(17,528</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,506</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Impairments</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(8,183</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,699</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td style="border-top: rgb(0,0,0) 1px solid;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="background: rgb(204,238,255); -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Balance, end of the period</div>
</td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">31,511</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="right" nowrap="nowrap">51,919</td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial,Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td style="border-top: rgb(0,0,0) 3px double;"> </td>
<td> </td>
<td> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial,Helvetica;" valign="bottom" colspan="11"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: rgb(0,0,0) 1px solid;" colspan="11"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: rgb(255,255,255); margin-left: 0%; color: rgb(0,0,0); margin-right: 0%; font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="left"></div>
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<p style="font-size: 10pt; background: rgb(255,255,255); color: rgb(0,0,0); font-family: 'Times New Roman',Times; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" align="center"></p>
</div>
</div><!-- body --></div></div> </div>
3041594000
2720551000
-13726000
71174000
-2423562000
-2729047000
-221230000
47363000
-211586000
50635000
-1802000
1674000
7996000
3007000
-336882000
100065000
-334271000
94444000
439226000
467055000
-4271000
-1707000
-882000
-464000
-14829000
-3671000
13607000
1484000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">9. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Interest Income and Expense</font></b></td>
</tr>
</table>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The following table shows the components of operating interest income and expense of our continuing operations:</div>
<div style="margin-top: 3pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="96%" align="center" border="0"><!-- Table Width Row BEGIN -->
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<td align="right" width="1%"> </td>
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<td align="right" width="5%"> </td>
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<td width="3%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="5%"> </td>
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<td align="left" width="1%"> </td>
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<td width="3%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="5%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
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<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="16"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Three Months Ended January 31,</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Nine Months Ended January 31,</font></td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Interest income:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Mortgage loans</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,567</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,131</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,535</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">36,494</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">Emerald Advance lines of credit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">36,867</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">43,311</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">39,944</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">44,539</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Other</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,912</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,162</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">9,267</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">12,465</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">48,346</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">58,604</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">72,746</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">93,498</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Interest expense:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">19,617</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">21,623</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">57,088</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">60,849</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,340</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,719</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,673</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,646</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">FHLB advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">509</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,326</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,526</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,981</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,466</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">26,668</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,287</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">76,476</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="17"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<!-- XBRL,n -->
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
</div><!-- body --></div></div> </div>
448461000
385960000
166582000
135155000
176422000
142179000
-72150000
-56114000
-12283000
-22370000
7387000
154201000
147569000
151317000
290868000
10828000
73913000
63242000
11556000
66760000
15000000
141450000
2550281000
2657436000
17544000
-29434000
69891000
15678000
368289000
362170000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">11. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Regulatory Requirements</font></b></td>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">HRB Bank files its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of Thrift Supervision (OTS). The following table sets forth HRB Bank’s regulatory capital requirements at December 31, 2009, as calculated in the most recently filed TFR:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div style="margin-left: 4%; margin-right: 0%;">
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<td align="right" width="1%"> </td>
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<td align="right" width="6%"> </td>
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<td align="left" width="1%"> </td>
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<td width="5%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="3%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="5%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="6%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="7%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="3%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="5%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="6%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 -->
<td width="5%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=07 type=lead -->
<td align="right" width="3%"> </td>
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<td align="left" width="1%"> </td>
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<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" colspan="24" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(dollars in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">To Be Well<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Capitalized<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">For Capital Adequacy<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Under Prompt Corrective<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Actual</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Purposes</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="center" colspan="6" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Action Provisions</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Ratio</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Ratio</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Amount</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Ratio</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="24" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
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<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Total risk-based capital ratio<sup style="font-size: 85%; vertical-align: top;">(1)</sup></div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">374,952</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33.7%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">89,032</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8.0%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">111,290</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">10.0%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Tier 1 risk-based capital ratio<sup style="font-size: 85%; vertical-align: top;">(2)</sup></div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">360,715</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">32.4%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,774</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">6.0%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Tier 1 capital ratio (leverage)<sup style="font-size: 85%; vertical-align: top;">(3)</sup></div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">360,715</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">16.4%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">264,722</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">12.0%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">110,301</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">5.0%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Tangible equity ratio<sup style="font-size: 85%; vertical-align: top;">(4)</sup></div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">360,715</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">16.4%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33,090</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1.5%</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="25"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr>
<td width="5%"></td>
<td width="1%"></td>
<td width="94%"></td>
</tr>
<tr>
<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></font></td>
<td></td>
<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">Total risk-based capital divided by risk-weighted assets.</font></td>
</tr>
<tr>
<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(2)</sup></font></td>
<td></td>
<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</font></td>
</tr>
<tr>
<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(3)</sup></font></td>
<td></td>
<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">Tier 1 (core) capital divided by adjusted total assets.</font></td>
</tr>
<tr>
<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(4)</sup></font></td>
<td></td>
<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">Tangible capital divided by tangible assets.</font></td>
</tr>
</table>
<div style="font-size: 4pt; margin-left: 4%; width: 100%; border-bottom: #000000 1pt solid; align: left;"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Block Financial LLC (BFC) typically makes capital contributions to HRB Bank to help it meet its capital requirements. BFC made capital contributions to HRB Bank of $235.0 million during the nine months ended January 31, 2010, and $245.0 million during the fiscal year ended April 30, 2009.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">As of January 31, 2010, HRB Bank’s leverage ratio was 13.7%.</div>
<!-- XBRL,n -->
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
</div><!-- body --></div></div> </div>
40000000
888983000
982774000
51656000
85313000
2671437000
2162406000
1616824000
993446000
1536438000
934852000
1356744000
799687000
1287270000
744327000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
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<td width="4%"></td>
<td width="96%"></td>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">16. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Condensed Consolidating Financial Statements</font></b></td>
</tr>
</table>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">BFC is an indirect, wholly-owned consolidated subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the Senior Notes issued on January 11, 2008 and October 26, 2004, our CLOCs and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings of subsidiaries are, therefore, reflected in the Company’s investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders’ equity and other intercompany balances and transactions.</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
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<tr style="font-size: 1pt;" valign="bottom">
<td width="39%"> </td>
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<td width="2%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
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<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
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<td align="right" width="1%"> </td>
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<td align="right" width="5%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" colspan="4"><font class="_mt" style="font-family: Arial, Helvetica;">Condensed Consolidating Income Statements</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Three Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Total revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">83,291</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">851,581</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(20</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">934,852</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cost of revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">86,020</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">559,799</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(72</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">645,747</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Selling, general and administrative</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,881</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">191,800</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(20</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">194,661</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total expenses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">88,901</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">751,599</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(92</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">840,408</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Operating income (loss)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,610</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">99,982</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">72</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">94,444</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Other income (expense), net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,451</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,609</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,688</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(97,523</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,007</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income (loss) from continuing operations before taxes (benefit)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,451</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,219</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">104,670</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(97,451</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,451</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income taxes (benefit)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">43,848</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,721</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">46,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(43,848</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">43,848</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net income (loss) from continuing operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">53,603</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(4,498</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">58,101</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(53,603</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">53,603</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,968</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,968</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,968</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,968</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net income (loss)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,635</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,466</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">58,101</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(50,635</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,635</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="37%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Three Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2009</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Total revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">85,044</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">908,466</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(64</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">993,446</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cost of revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">79,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">604,819</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">5</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">684,567</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Selling, general and administrative</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">44,125</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">164,791</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(102</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">208,814</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total expenses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">123,868</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">769,610</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(97</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">893,381</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Operating income (loss)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(38,824</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">138,856</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,065</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Other income (expense), net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">101,739</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,968</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,610</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(101,707</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,674</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income (loss) from continuing operations before taxes (benefit)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">101,739</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(40,792</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">142,466</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(101,674</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">101,739</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income taxes (benefit)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">34,909</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(16,013</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">50,942</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(34,929</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">34,909</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net income (loss) from continuing operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,830</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(24,779</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">91,524</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(66,745</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,830</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(19,467</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(20,113</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">20,113</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(19,467</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net income (loss)</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">47,363</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(44,892</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">91,524</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(46,632</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">47,363</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
<div style="margin-top: 12pt; font-size: 1pt;"><br />
</div>
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<p></p>
<p></p>
<h5 style="page-break-before: always;" align="left"><a href="c56755e10vq.htm#tocpage"></a> </h5>
<p></p>
<p></p>
<div><!-- BEGIN PAGE WIDTH --><!-- XBRL -->
<div style="margin-top: 0pt; font-size: 1pt;"> </div>
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<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="37%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Nine Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Total revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">127,513</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,409,001</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(76</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,536,438</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cost of revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">177,441</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,265,777</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(72</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,443,146</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Selling, general and administrative</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,836</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">419,803</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(76</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">427,563</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total expenses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">185,277</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,685,580</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(148</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,870,709</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Operating loss</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(57,764</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(276,579</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">72</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(334,271</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Other income (expense), net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,449</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">13,517</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">326,203</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,996</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Loss from continuing operations before tax benefit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(63,213</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(263,062</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income tax benefit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(122,789</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(25,707</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(97,082</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">122,789</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(122,789</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from continuing operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(203,486</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(37,506</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(165,980</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">203,486</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(203,486</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(8,100</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(8,100</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8,100</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(8,100</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Net loss</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(211,586</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(45,606</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(165,980</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">211,586</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(211,586</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
<div style="font-size: 10pt; background: #ffffff; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="37%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Nine Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2009</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Total revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">124,145</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,495,472</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,793</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,616,824</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cost of revenues</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">172,187</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,317,475</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(10</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,489,652</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Selling, general and administrative</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">74,669</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">389,669</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(284</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">464,054</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total expenses</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">246,856</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,707,144</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(294</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,953,706</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Operating loss</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(122,711</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(211,672</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,499</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(336,882</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Other income (expense), net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(338,684</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,858</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,024</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">338,716</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,802</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Loss from continuing operations before tax benefit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(338,684</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(128,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(207,648</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">336,217</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(338,684</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Income tax benefit</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(143,930</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(50,553</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(92,329</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">142,882</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(143,930</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from continuing operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(194,754</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(78,016</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(115,319</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">193,335</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(194,754</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net loss from discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(26,476</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(28,577</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">28,577</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(26,476</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Net loss</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(221,230</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(106,593</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(115,319</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">221,912</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(221,230</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="38%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="8%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Condensed Consolidating Balance Sheets</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="14"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash & cash equivalents</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,333,879</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">400,963</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,165</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,727,677</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash & cash equivalents – restricted</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">61,893</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,420</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">85,313</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Receivables, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,826,437</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">740,385</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,566,830</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Mortgage loans held for investment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">641,157</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">641,157</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Intangible assets and goodwill, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,215,005</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,215,005</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Other assets</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,780,404</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">362,303</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">811,844</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,780,404</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,174,147</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total assets</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,780,412</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,225,669</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,191,617</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,787,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,410,129</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Short-term borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,675,094</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,675,094</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Customer deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,227,666</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,165</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,220,501</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Long-term debt</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">998,515</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">34,285</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,032,800</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">FHLB borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Other liabilities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">65</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,990</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,347,212</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,445,267</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,843,880</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(981,063</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(862,817</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Stockholders’ equity</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">936,467</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">107,467</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,672,937</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,780,404</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">936,467</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Total liabilities and stockholders’ equity</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,780,412</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,225,669</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,191,617</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,787,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,410,129</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<!-- XBRL Pagebreak Begin -->
<p style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;"> </p>
</div>
<h5 style="page-break-before: always;" align="left"> </h5>
<div><!-- BEGIN PAGE WIDTH --><!-- XBRL -->
<div style="margin-top: 0pt; font-size: 1pt;"> </div>
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<div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="36%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
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<td align="left" width="1%"> </td>
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<td width="3%"> </td>
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<td align="right" width="7%"> </td>
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<td width="2%"> </td>
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<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="8%"> </td>
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<td width="2%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="8%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">April 30, 2009</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash & cash equivalents</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">241,350</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,419,535</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(6,222</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,654,663</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash & cash equivalents – restricted</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,303</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">47,353</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">51,656</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Receivables, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">38</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">114,442</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">398,334</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">512,814</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Mortgage loans held for investment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">744,899</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">744,899</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Intangible assets and goodwill, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,236,228</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,236,228</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Other assets</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,289,435</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">308,481</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">850,981</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(3,289,435</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,159,462</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Total assets</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,289,473</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,413,475</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,952,431</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(3,295,657</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">5,359,722</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Customer deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">861,110</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(6,222</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">854,888</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Long-term debt</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">998,245</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">33,877</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,032,122</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">FHLB borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">100,000</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Other liabilities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">130,362</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,836,477</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">12</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,966,853</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,883,612</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(827,453</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,056,147</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(12</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt;">Stockholders’ equity</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,405,859</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">151,211</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,138,224</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(3,289,435</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,405,859</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Total liabilities and stockholders’ equity</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,289,473</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,413,475</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,952,431</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(3,295,657</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">5,359,722</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="37%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="8%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="8%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="6%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" colspan="16"><font class="_mt" style="font-family: Arial, Helvetica;">Condensed Consolidating Statements of Cash Flows</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Nine Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2010</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash provided by (used in) operating activities:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,590</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,868,572</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(872,065</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,729,047</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash flows from investing:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Mortgage loans originated for investment, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">56,114</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">56,114</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Purchase property & equipment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">616</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(63,858</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(63,242</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Payments made for business acquisitions, net of cash acquired</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(10,828</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(10,828</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from sale of businesses, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,760</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">66,760</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">276,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(276,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Other, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,989</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,619</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">22,370</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash provided by (used in) investing activities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">276,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">80,719</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(9,545</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(276,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">71,174</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash flows from financing:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Repayments of short-term borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(982,774</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(982,774</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from short-term borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,657,436</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,657,436</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Customer banking deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,366,106</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(943</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,365,163</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Dividends paid</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(151,317</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(151,317</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Repurchase of common stock</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(154,201</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(154,201</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from stock options</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">15,678</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">15,678</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(151,334</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(125,409</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">276,743</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Other, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,507</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(9,052</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(21,889</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(29,434</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash provided by (used in) financing activities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(288,333</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,880,382</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(147,298</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">275,800</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,720,551</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Effects of exchange rates on cash</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">10,336</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">10,336</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net increase (decrease) in cash</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,092,529</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,018,572</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(943</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">73,014</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash – beginning of period</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">241,350</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,419,535</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(6,222</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,654,663</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash – end of period</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,333,879</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">400,963</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,165</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,727,677</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="21"> </td>
</tr>
</table>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
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<p style="font-size: 10pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" align="center"> </p>
</div>
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<p></p>
<p></p>
<h5 style="page-break-before: always;" align="left"><a href="c56755e10vq.htm#tocpage"></a> </h5>
<p></p>
<p></p>
<div><!-- BEGIN PAGE WIDTH --><!-- XBRL -->
<div style="margin-top: 0pt; font-size: 1pt;"> </div>
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<div>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="39%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="11%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 -->
<td width="3%"> </td>
<!-- colindex=03 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=03 type=lead -->
<td align="right" width="8%"> </td>
<!-- colindex=03 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=03 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=04 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=04 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=04 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=04 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=05 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=05 type=lead -->
<td align="right" width="5%"> </td>
<!-- colindex=05 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=05 type=hang1 -->
<td width="2%"> </td>
<!-- colindex=06 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=06 type=lead -->
<td align="right" width="9%"> </td>
<!-- colindex=06 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=06 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Nine Months Ended<br /></font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">H&R Block, Inc.<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">BFC<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Other<br /></font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"> </td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Consolidated<br /></font></td>
<td> </td>
</tr>
<tr style="font-size: 9pt;" valign="bottom" align="center">
<td valign="bottom" align="left" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">January 31, 2009</font></td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Guarantor)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(Issuer)</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Subsidiaries</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">Elims</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">H&R Block</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="20"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash used in operating activities:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(3,360</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,868,531</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(551,671</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(2,423,562</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash flows from investing:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Mortgage loans originated for investment, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">72,150</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">72,150</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Purchase property & equipment</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(5,366</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(68,547</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(73,913</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Payments made for business acquisitions, net of cash acquired</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(290,868</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(290,868</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from sale of businesses, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,556</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,556</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(71,691</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">71,691</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Investing cash flows of discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">255,066</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">255,066</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Other, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,483</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,800</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">12,283</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash provided by (used in) investing activities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(71,691</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">329,333</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(343,059</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">71,691</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(13,726</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash flows from financing:</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Repayments of short-term borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(928,983</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(928,983</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from short-term borrowings</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,565,281</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,565,281</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Customer banking deposits</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">309</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,326,584</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Dividends paid</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(147,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(147,569</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Acquisition of treasury shares</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,387</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(7,387</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from stock options</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">69,891</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">69,891</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Proceeds from issuance of stock</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">141,450</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">141,450</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Net intercompany advances</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(448,639</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">520,330</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(71,691</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt;">Financing cash flows of discontinued operations</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,783</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">4,783</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt;">Other, net</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">18,666</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(1,122</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">17,544</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net cash provided by financing activities</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">75,051</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">2,518,717</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">519,208</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(71,382</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">3,041,594</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Net increase (decrease) in cash</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">979,519</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(375,522</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">309</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">604,306</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt;">Cash – beginning of period</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">34,611</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">630,933</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(647</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">664,897</td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">-</td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,014,130</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">255,411</td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(338</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,269,203</td>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">13. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Litigation and Related Contingencies</font></b></td>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We are party to investigations, legal claims and lawsuits arising out of our business operations. As required, we accrue our best estimate of loss contingencies when we believe a loss is probable and we can reasonably estimate the amount of any such loss. Amounts accrued, including obligations under indemnifications, totaled $31.6 million and $27.9 million at January 31, 2010 and April 30, 2009, respectively. Litigation is inherently unpredictable and it is difficult to predict the outcome of particular matters with reasonable certainty and, therefore, the actual amount of any loss may prove to be larger or smaller than the amounts reflected in our consolidated financial statements.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">RAL Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We have been named as a defendant in numerous lawsuits throughout the country regarding our refund anticipation loan programs (collectively, “RAL Cases”). The RAL Cases have involved a variety of legal theories asserted by plaintiffs. These theories include allegations that, among other things: disclosures in the RAL applications were inadequate, misleading and untimely; the RAL interest rates were usurious and unconscionable; we did not disclose that we would receive part of the finance charges paid by the customer for such loans; untrue, misleading or deceptive statements in marketing RALs; breach of state laws on credit service organizations; breach of contract, unjust enrichment, unfair and deceptive acts or practices; violations of the federal Racketeer Influenced and Corrupt Organizations Act; violations of the federal Fair Debt Collection Practices Act and unfair competition regarding debt collection activities; and that we owe, and breached, a fiduciary duty to our customers in connection with the RAL program.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The amounts claimed in the RAL Cases have been very substantial in some instances, with one settlement resulting in a pretax expense of $43.5 million in fiscal year 2003 (the “Texas RAL Settlement”) and other settlements resulting in a combined pretax expense in fiscal year 2006 of $70.2 million.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We have settled all but one of the RAL Cases. The sole remaining RAL Case is a putative class action entitled <i>Sandra J. Basile, et al. v. H&R Block, Inc., et al.</i>, April Term 1992 Civil Action No. 3246 in the Court of Common Pleas, First Judicial District Court of Pennsylvania, Philadelphia County, instituted on April 23, 1993. The plaintiffs seek unspecified actual and punitive damages, injunctive relief, attorneys’ fees and costs. A Pennsylvania class was certified, but later decertified by the trial court in December 2003. The trial court’s decertification decision is currently on appeal. We believe we have meritorious defenses to this case and intend to defend it vigorously. There can be no assurances, however, as to the outcome of this case or its impact on our consolidated results of operations. </div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Peace of Mind Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We are defendants in lawsuits regarding our Peace of Mind program (collectively, the “POM Cases”), under which our applicable tax return preparation subsidiary assumes liability for additional tax assessments attributable to tax return preparation error. The POM Cases are described below.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"><i>Lorie J. Marshall, et al. v. H&R Block Tax Services, Inc., et al.</i>, Case <font class="_mt" style="white-space: nowrap;">No. 08-CV-591</font> in the U.S. District Court for the Southern District of Illinois, is a putative class action case originally filed in the Circuit Court of Madison County, Illinois on January 18, 2002. The plaintiffs allege that the sale of POM guarantees constitutes (1) statutory fraud by selling insurance without a license, (2) an unfair trade practice, by omission and by “cramming” (i.e., charging customers for the guarantee even though they did not request it or want it), and (3) a breach of fiduciary duty. The plaintiffs seek unspecified damages, injunctive relief, attorneys’ fees and costs. The Madison County court ultimately certified a class consisting of all persons residing in 13 states who from January 1, 1997 to final judgment (1) were charged a separate fee for POM by “H&R Block;” (2) were charged a separate fee for POM by an “H&R Block” entity not licensed to sell insurance; or (3) had an unsolicited charge for POM posted to their bills by “H&R Block.” Persons who received the POM guarantee through an H&R Block Premium office were excluded from the class. We subsequently removed the case to federal court in the Southern District of Illinois, where it is now pending. In November 2009, the federal court issued an order effectively vacating the state court’s class certification ruling and allowing plaintiffs time to file a renewed motion for class certification under the federal rules. Plaintiffs filed a new motion for class certification seeking certification of an 11-state class. A hearing on plaintiffs’ motion is set for April 30, 2010.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">There is one other putative class action pending against us in Texas that involves the POM guarantee. This case, styled <i>Desiri L. Soliz v. H&R Block, et al.</i> (Cause <font class="_mt" style="white-space: nowrap;">No. 03-032-D),</font> was filed on January 23, 2003 in the District Court of Kleberg County, Texas and is pending before the same judge that presided over the Texas RAL Settlement, involves the same plaintiffs’ attorneys that are involved in the <i>Marshall</i> litigation in Illinois, and contains allegations similar to those in the <i>Marshall</i> case. The plaintiff seeks actual and treble damages, equitable relief, attorney fees and costs. No class has been certified in this case.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We believe we have meritorious defenses to the claims in the POM Cases, and we intend to defend them vigorously. The amounts claimed in the POM Cases are substantial, however, and there can be no assurances as to the outcome of these pending actions or their impact on our consolidated results of operations individually or in the aggregate.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Express IRA Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On March 15, 2006, the New York Attorney General filed a lawsuit in the Supreme Court of the State of New York, County of New York (Index No. 06/401110) entitled <i>The People of New York v. H&R Block, Inc. and H&R Block Financial Advisors, Inc. et al</i>. The complaint asserts nationwide jurisdiction and alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the Express IRA product and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. In July 2007, the Supreme Court of the State of New York issued a ruling that dismissed all defendants other than H&R Block Financial Advisors, Inc. (HRBFA) and the claims of common law fraud. The intermediate appellate court reversed this ruling in January 2009. To avoid the cost and inherent risk associated with litigation, we reached an agreement to settle this case and the civil actions described below, subject to approval by the federal court presiding over the civil actions. Details regarding the settlement are described below. We believe we have meritorious defenses to the claims in this case and, if for any reason the settlement is not approved, we will continue to defend this case vigorously. There can be no assurances, however, as to the outcome of this case or its impact on our consolidated results of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On January 2, 2008, the Mississippi Attorney General filed a lawsuit in the Chancery Court of Hinds County, Mississippi First Judicial District (Case No. G 2008 6 S 2) entitled <i>Jim Hood, Attorney for the State of Mississippi v. H&R Block, Inc., et al.</i> The complaint alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the Express IRA product and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. The defendants have filed a motion to dismiss. We believe we have meritorious defenses to the claims in this case, and we intend to defend this case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated results of operations.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In addition to the New York and Mississippi Attorney General actions, a number of civil actions were filed against HRBFA and us concerning the Express IRA product, the first of which was filed on March 15, 2006. Except for two cases pending in state court, all of the civil actions have been consolidated by the panel for Multi-District Litigation into a single action styled <i>In re H&R Block, Inc. Express IRA Marketing Litigation</i> (Case <font class="_mt" style="white-space: nowrap;">No. 06-1786-MD-RED)</font> in the United States District Court for the Western District of Missouri. To avoid the cost and inherent risk associated with litigation, we have reached an agreement to settle these cases and the New York Attorney General action, subject to approval by the federal court presiding over the Multi-District Litigation. The settlement would require a minimum payment of $11.4 million and a maximum payment of $25.4 million. The actual cost of the settlement would depend on the number of claims submitted by class members. The federal court granted preliminary approval of the settlement on January 25, 2010 and scheduled a final fairness hearing on May 17, 2010. We believe we have meritorious defenses to the claims in these cases and, if for any reason the settlement is not approved, we will continue to defend them vigorously. We previously recorded a liability for our best estimate of the expected loss. There can be no assurances, however, as to the outcome of these cases or their impact on our consolidated results of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Although we sold HRBFA effective November 1, 2008, we remain responsible for any liabilities relating to the Express IRA litigation through an indemnification agreement.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Securities and Shareholder Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On April 6, 2007, a putative class action styled <i>In re H&R Block Securities Litigation</i> (Case <font class="_mt" style="white-space: nowrap;">No. 06-0236-CV-W-ODS)</font> was filed against the Company and certain of its officers in the United States District Court for the Western District of Missouri. The complaint alleged, among other things, deceptive, material and misleading financial statements and failure to prepare financial statements in accordance with generally accepted accounting principles. The complaint sought unspecified damages and equitable relief. The court dismissed the complaint in February 2008, and the plaintiffs appealed the dismissal in March 2008. In addition, plaintiffs in a shareholder derivative action that was consolidated into the securities litigation filed a separate appeal in March 2008, contending that the derivative action was improperly consolidated. The derivative action is <i>Iron Workers Local 16 Pension Fund v. H&R Block, et al.</i>, in the United States District Court for the Western District of Missouri, Case <font class="_mt" style="white-space: nowrap;">No. 06-cv-00466-ODS</font> (instituted on June 8, 2006) and was brought against certain of our directors and officers purportedly on behalf of the Company. The derivative action alleged breach of fiduciary duty, abuse of control, gross mismanagement, waste, and unjust enrichment pertaining to (1) our restatement of financial results in fiscal year 2006 due to errors in determining our state effective income tax rate and (2) certain of our products and business activities. In September 2009, the appellate court affirmed the dismissal of the securities fraud class action, but reversed the dismissal of the shareholder derivative action. We believe we have meritorious defenses to the claims in the shareholder derivative action and intend to defend the action vigorously. There can be no assurances, however, as to its outcome.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">RSM McGladrey Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">RSM EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July 11, 2006 and entitled <i>Do Right’s Plant Growers, et al. v. RSM EquiCo, Inc., et al.,</i> Case No. 06 CC00137, in the California Superior Court, Orange County. The complaint contains allegations relating to business valuation services provided by RSM EquiCo, including allegations of fraud, negligent misrepresentation, breach of contract, breach of implied covenant of good faith and fair dealing, breach of fiduciary duty and unfair competition. Plaintiffs seek unspecified actual and punitive damages, in addition to pre-judgment interest and attorneys’ fees. On March 17, 2009, the court granted plaintiffs’ motion for class certification on all claims. The defendants filed two requests for interlocutory review of the decision, the last of which was denied by the Supreme Court of California on September 30, 2009. A trial date has been set for January 2011.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The certified class consists of all RSM EquiCo U.S. clients who signed platform agreements and for whom RSM EquiCo did not ultimately market their business for sale. The fees paid to RSM EquiCo in connection with these agreements total approximately $185 million, a number which substantially exceeds the equity of RSM EquiCo. We intend to defend this case vigorously. The amount claimed in this action is substantial and could have a material adverse impact on our consolidated results of operations. There can be no assurance regarding the outcome of this matter.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">As more fully described in note 2, RSM and M&P operate in an alternative practice structure. Accordingly, certain claims and lawsuits against M&P could have an impact on RSM. More specifically, any judgments or settlements arising from claims and lawsuits against M&P which exceed its insurance coverage could have a direct adverse effect on M&P’s operations. Although RSM is not responsible for the liabilities of M&P, significant M&P litigation and claims could impair the profitability of the APS and impair the ability to attract and retain clients and quality professionals. This could, in turn, have a material adverse effect on RSM’s operations and impair the value of our investment in RSM. There is no assurance regarding the outcome of any claims or litigation involving M&P.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On December 7, 2009, a lawsuit was filed in the Circuit Court of Cook County, Illinois (2009-L-014920) against M&P, RSM and H&R Block entitled Ronald R. Peterson ex rel. Lancelot Investors Fund, L.P., et al. v. McGladrey & Pullen LLP, et al. The case was removed to the United States District Court for the Northern District of Illinois on December 28, 2009, where it remains pending (Case <font class="_mt" style="white-space: nowrap;">No. 08-28225).</font> The complaint, which was filed by the trustee for certain bankrupt investment funds, seeks unspecified damages and asserts claims against M&P for failure to meet generally accepted auditing standards and failure to detect fraud in financial statement audits. The complaint also asserts claims for vicarious liability and alter ego liability against RSM, and for equitable restitution against H&R Block. The amount claimed in this case is substantial. We believe we have meritorious defenses to the claims in this case and intend to defend it vigorously, but there can be no assurances as to its outcome or its impact on our consolidated results of operations.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Litigation and Claims Pertaining to Discontinued Mortgage Operations</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Although mortgage loan origination activities were terminated and the loan servicing business was sold during fiscal year 2008, SCC remains subject to investigations, claims and lawsuits pertaining to its loan origination and servicing activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state attorneys general, other state regulators, municipalities, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive loan origination and servicing practices, public nuisance, fraud, and violations of the Truth in Lending Act, Equal Credit Opportunity Act and the Fair Housing Act. In the current non-prime mortgage environment, the number of these investigations, claims and lawsuits has increased over historical experience and is likely to continue at increased levels. The amounts claimed in these investigations, claims and lawsuits are substantial in some instances, and the ultimate resulting liability is difficult to predict. In the event of unfavorable outcomes, the amounts SCC may be required to pay in the discharge of liabilities or settlements could be substantial and, because SCC’s operating results are included in our consolidated financial statements, could have a material adverse impact on our consolidated results of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On June 3, 2008, the Massachusetts Attorney General filed a lawsuit in the Superior Court of Suffolk County, Massachusetts (Case <font class="_mt" style="white-space: nowrap;">No. 08-2474-BLS)</font> entitled <i>Commonwealth of Massachusetts v. H&R Block, Inc., et al.,</i> alleging unfair, deceptive and discriminatory origination and servicing of mortgage loans and seeking equitable relief, disgorgement of profits, restitution and statutory penalties. In November 2008, the court granted a preliminary injunction limiting the ability of the owner of SCC’s former loan servicing business to initiate or advance foreclosure actions against certain loans originated by SCC or its subsidiaries without (1) advance notice to the Massachusetts Attorney General and (2) if the Attorney General objects to foreclosure, approval by the court. An appeal of the preliminary injunction was denied. We believe the claims in this case are without merit, and we intend to defend this case vigorously. There can be no assurances, however, as to its outcome or its impact on our consolidated results of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">SCC also remains subject to potential claims for indemnification and loan repurchases pertaining to loans previously sold. In the current non-prime mortgage environment, it is likely that the frequency of repurchase and indemnification claims may increase over historical experience and give rise to additional litigation. In some instances, H&R Block, Inc. was required to guarantee SCC’s obligations. The amounts involved in these potential claims may be substantial, and the ultimate resulting liability is difficult to predict. Because SCC’s operating results are included in our consolidated financial statements, the amounts SCC may be required to pay in the discharge or settlement of these claims in the event of unfavorable outcomes could have a material adverse impact on our consolidated results of operations.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Other Claims and Litigation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">We are from time to time party to investigations, claims and lawsuits not discussed herein arising out of our business operations. These investigations, claims and lawsuits include actions by state attorneys general, other state regulators, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others similarly situated. Some of these investigations, claims and lawsuits pertain to RALs, the electronic filing of customers’ income tax returns, the POM guarantee program, wage and hour claims and investment products. We believe we have meritorious defenses to each of these investigations, claims and lawsuits, and we are defending or intend to defend them vigorously. The amounts claimed in these matters are substantial in some instances; however the ultimate liability with respect to such matters is difficult to predict. In the event of an unfavorable outcome, the amounts we may be required to pay in the discharge of liabilities or settlements could have a material adverse impact on our consolidated results of operations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In addition to the aforementioned types of matters, we are party to claims and lawsuits that we consider to be ordinary, routine litigation incidental to our business, including claims and lawsuits (collectively, “Other Claims”) concerning the preparation of customers’ income tax returns, the fees charged customers for various products and services, relationships with franchisees, intellectual property disputes, employment matters and contract disputes. While we cannot provide assurance that we will ultimately prevail in each instance, we believe the amount, if any, we are required to pay in the discharge of liabilities or settlements in these Other Claims will not have a material adverse effect on our consolidated financial statements.</div>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">15. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Accounting Pronouncements</font></b></td>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In October 2009, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update <font class="_mt" style="white-space: nowrap;">2009-13,</font> “Revenue Recognition (Topic 605) – Multiple-Deliverable Revenue Arrangements” (ASU <font class="_mt" style="white-space: nowrap;">2009-13).</font> This guidance amends the criteria for separating consideration in multiple-deliverable arrangements to enable vendors to account for products or services (deliverables) separately rather than as a combined unit. This guidance establishes a selling price hierarchy for determining the selling price of a deliverable, which is based on: (1) vendor-specific objective evidence; (2) third-party evidence; or (3) estimates. This guidance also eliminates the residual method of allocation and requires that arrangement consideration be allocated at the inception of the arrangement to all deliverables using the relative selling price method. In addition, this guidance significantly expands required disclosures related to a vendor’s multiple-deliverable revenue arrangements. This guidance is effective prospectively for revenue arrangements entered into or materially modified beginning with our fiscal year 2012. We are currently evaluating the effect of this guidance on our consolidated financial statements.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In June 2009, the FASB issued guidance, under Topic 810 – Consolidation. This guidance changes how a reporting entity determines when an entity that is insufficiently capitalized or is not controlled through voting or similar rights should be consolidated. The determination of whether a reporting entity is required to consolidate another entity is based on, among other things, the other entity’s purpose and design and the reporting entity’s ability to direct the activities of the other entity that most significantly impact the other entity’s economic performance. This guidance will require a reporting entity to provide additional disclosures about its involvement with variable interest entities and any significant changes in risk exposure due to that involvement, and will be effective for our fiscal year 2011. We are currently evaluating the effect of this guidance on our consolidated financial statements.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In June 2009, the FASB issued guidance, under Topic 860 – Transfers and Servicing. This guidance will require more disclosure about transfers of financial assets, including securitization transactions, and where entities have continuing exposure to the risks related to transferred financial assets. It eliminates the concept of a qualifying special purpose entity and changes the requirements for derecognizing financial assets. This guidance will be effective at the beginning of our fiscal year 2011. We are currently evaluating the effect of this guidance on our consolidated financial statements.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In December 2007, the FASB issued guidance, under Topic 805 – Business Combinations, requiring an acquiring entity to recognize all the assets acquired and liabilities assumed in a transaction, including non-controlling interests, at the acquisition-date fair value with limited exceptions. This guidance will require acquisition-related expenses to be expensed and will generally require contingent consideration to be recorded as a liability at the time of acquisition. Under this guidance, subsequent changes to deferred tax valuation allowances relating to acquired businesses and acquired liabilities for uncertain tax positions will no longer be applied to goodwill but will instead be typically recognized as an adjustment to income tax expense. We adopted the provisions of this guidance as of May 1, 2009. The adoption did not have a material impact on our consolidated financial statements.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">In June 2008, the FASB issued guidance, under Topic 260 – Earnings Per Share, addressing whether instruments granted in share-based payment transactions are participating securities prior to vesting and, therefore, should be included in the process of allocating earnings for purposes of computing earnings per share. We adopted the provisions of this guidance as of May 1, 2009. The adoption and retrospective application of this guidance did not change the current year or prior period earnings per share amounts for the fiscal quarter. The adoption of this accounting guidance will reduce earnings per share as previously reported for fiscal year 2009 by $0.01. See additional discussion in note 3.</div>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">2.</font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;"> Alternative Practice Structure with McGladrey & Pullen LLP</font></b></td>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">McGladrey & Pullen LLP (M&P) is a limited liability partnership, owned 100% by certified public accountants (CPAs), which provides attest services to middle market clients.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Under state accountancy regulations, a firm cannot provide attest services unless it is majority owned and controlled by licensed CPAs. As such, RSM McGladrey, Inc. (RSM) is unable to provide attest services. Since 1999, RSM and M&P have operated in what is known as an “alternative practice structure” (APS). Through the APS, RSM and M&P are able to offer clients a full-range of attest and non-attest services in full compliance with applicable accountancy regulations.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">An administrative services agreement between RSM and M&P obligates RSM to provide M&P with administrative services, information technology, office space, non-professional staff, and other infrastructure in exchange for market rate fees from M&P. RSM also provides M&P, at market rates of interest, a working capital credit facility and additional term financing to make acquisitions. Borrowings under the working capital credit facility are limited to the lower of the value of their accounts receivable, <font class="_mt" style="white-space: nowrap;">work-in-process</font> and fixed assets or $125 million. M&P is negotiating alternative financing that would replace both the working capital facility and term financing currently provided by RSM.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">On July 21, 2009, M&P provided 210 days notice of its intent to terminate the administrative services agreement, resulting in termination of the APS unless revoked or modified prior to the expiration of the notice period. As a protective measure, on September 15, 2009, RSM also provided notice of its intent to terminate the administrative services agreement. Effective February 3, 2010, RSM and M&P entered into new agreements, withdrawing their prior notices of termination.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Pursuant to a Governance and Operations Agreement effective February 3, 2010, RSM and M&P agreed to be bound by a final award of an arbitration panel, dated as of November 24, 2009, regarding the applicability and enforceability of certain restrictive covenants between the parties. In the event the APS were ever terminated, M&P would generally be prohibited as a result of these restrictive covenants, from (1) engaging in businesses in which RSM operates in for 17 months, (2) soliciting any business with clients or potential clients of RSM or any of its subsidiaries or affiliates for 29 months, and (3) soliciting employees of RSM or any of its subsidiaries or affiliates for 24 months; however M&P may, until the termination of the APS, solicit RSM employees who are also employees or partners of M&P.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Although not required by the APS, all partners of M&P, with the exception of M&P’s Managing Partner, are also managing directors employed by RSM. Approximately 86% of RSM’s managing directors are also partners in M&P. Certain other individuals are also employed by both M&P and RSM. M&P partners receive distributions from M&P in their capacity as partners, as well as compensation from RSM in their capacity as managing directors. Distributions to M&P partners are based on the profitability of M&P and are not capped by this arrangement. Pursuant to the Governance and Operations Agreement, effective May 1, 2010, the aggregate compensation payable to RSM managing directors by RSM in any given year shall generally equal 67 percent of the combined profits of M&P and RSM less any amounts paid in their capacity as M&P partners. RSM followed a similar practice historically, except that the compensation pool for managing directors was based on 65 percent of combined profits. In practice, this means that variability in the amounts paid to RSM managing directors under these contracts can cause variability in RSM’s operating results. RSM is not entitled to any profits or residual interests of M&P, nor is it obligated to fund losses or capital deficiencies of M&P. Managing directors of RSM have historically participated in stock-based compensation plans of H&R Block. Beginning in fiscal 2011, participation in those plans will cease and be replaced by a non-qualified compensation plan whereby vested employer contributions of RSM will equal $10 million annually.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The administrative services agreement, financing arrangements, and compensation arrangements described above all represent variable interests of RSM in M&P, and M&P meets the definition of a variable interest entity. Our determination of primary beneficiary of M&P was based on an assessment of which party was most closely associated with M&P. We have concluded that RSM is not the primary beneficiary of M&P and, therefore, the financial results of M&P have not been included in the accompanying condensed consolidated financial statements. RSM does not have an equity interest in M&P, nor does it have the power to direct any activities of M&P. The carrying amounts included in our condensed consolidated balance sheet, and our exposure to economic loss, resulting from our interests in the various agreements with M&P is as follows at January 31, 2010:</div>
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<td valign="bottom" align="right" colspan="8"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
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<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
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<td style="border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Carrying Amount</font></td>
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<td style="border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">Maximum Exposure to Loss</font></td>
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<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="8"> </td>
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<div style="margin-left: 9pt; text-indent: -9pt;">Revolving credit facility</div>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">60,560</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">125,000</td>
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<div style="margin-left: 9pt; text-indent: -9pt;">Term loans</div>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">27,856</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">27,856</td>
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<div style="margin-left: 9pt; text-indent: -9pt;">Compensation arrangements</div>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
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<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></td>
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<div style="margin-left: 9pt; text-indent: -9pt;">Administrative Services Agreement</div>
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<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">N/A</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">81,500</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"><sup style="font-size: 85%; vertical-align: top;">(2)</sup></td>
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<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></font></td>
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<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">As described above, operating results of RSM are exposed to variability caused by compensation arrangements.</font></td>
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<td valign="top" align="right"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;"><sup style="font-size: 85%; vertical-align: top;">(2)</sup></font></td>
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<td valign="bottom"><font class="_mt" style="font-size: 8pt; font-family: Arial, Helvetica;">Under this agreement, M&P shares costs with RSM for office space under RSM’s operating leases. M&P’s anticipated share of future lease costs under existing operating leases total $15.2 million, $14.1 million, $12.7 million, $10.8 million and $28.7 million for the fiscal years ended April 30, 2011, 2012, 2013, 2014 and beyond, respectively. RSM could be exposed to loss for these amounts in the event of default by M&P.</font></td>
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<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Segment Information</font></b></td>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Results of our continuing operations by reportable operating segment are as follows:</div>
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<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-family: Arial, Helvetica;">(in 000s)</font></td>
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<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="16"> </td>
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<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Three Months Ended January 31,</font></td>
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<td> </td>
<td valign="bottom" align="center" colspan="6"><font class="_mt" style="font-family: Arial, Helvetica;">Nine Months Ended January 31,</font></td>
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<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
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<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
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<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2010</font></td>
<td> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">2009</font></td>
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<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Tax Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">747,685</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">796,866</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">944,953</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">983,300</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Business Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">178,482</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">185,177</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">562,702</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">592,873</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Corporate</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">8,685</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">11,403</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">28,783</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">40,651</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">934,852</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">993,446</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,536,438</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,616,824</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 9pt; text-indent: -9pt;">Pretax income (loss):</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Tax Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">131,189</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">133,473</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(212,973</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(218,309</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Business Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(11,222</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">10,695</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(9,727</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">23,481</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 18pt; text-indent: -9pt;">Corporate</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(22,516</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(42,429</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(103,575</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(143,856</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left">
<div style="margin-left: 18pt; text-indent: -9pt;">Income (loss) from continuing operations before income taxes</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">97,451</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">101,739</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(326,275</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">(338,684</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">)</td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="17"> </td>
</tr>
</table>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Effective May 1, 2009, we realigned certain segments of our business to reflect a new management reporting structure. The operations of HRB Bank, which was previously reported as the Consumer Financial Services segment, have now been reclassified, with activities that support our retail tax network included in the Tax Services segment, and the net interest margin and gains and losses relating to our portfolio of mortgage loans held for investment and related assets included in corporate. Presentation of prior period results reflects the new segment reporting structure.</div>
<!-- XBRL Pagebreak Begin --> </div>
</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">These segment changes also resulted in the reclassification of assets between segments. Identifiable assets by reportable segment at January 31, 2010 are as follows:</div>
<div style="margin-top: 6pt; font-size: 1pt;"> </div>
<p></p>
<table style="font-size: 9pt; background: #ffffff; color: #000000; font-family: 'Times New Roman', Times;" cellspacing="0" cellpadding="0" width="100%" align="center" border="0"><!-- Table Width Row BEGIN -->
<tr style="font-size: 1pt;" valign="bottom">
<td width="89%"> </td>
<!-- colindex=01 type=maindata -->
<td width="2%"> </td>
<!-- colindex=02 type=gutter -->
<td align="right" width="1%"> </td>
<!-- colindex=02 type=lead -->
<td align="right" width="7%"> </td>
<!-- colindex=02 type=body -->
<td align="left" width="1%"> </td>
<!-- colindex=02 type=hang1 --></tr>
<!-- Table Width Row END --><!-- TableOutputHead -->
<tr style="font-size: 8pt;" valign="bottom" align="center">
<td valign="bottom" align="right" nowrap="nowrap"> </td>
<td> </td>
<td valign="bottom" align="right" colspan="2" nowrap="nowrap"><font class="_mt" style="font-size: 9pt; font-family: Arial, Helvetica;">(in 000s)</font></td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom" align="center">
<td style="font-size: 1pt; border-bottom: #000000 1px solid;" valign="bottom" align="right" colspan="4"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt; line-height: 3pt;">
<td> </td>
</tr>
<!-- TableOutputBody -->
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Tax Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">5,187,631</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Business Services</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">835,074</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="background: #cceeff;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">
<div style="margin-left: 9pt; text-indent: -9pt;">Corporate</div>
</td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">1,387,424</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td style="border-top: #000000 1px solid;"> </td>
<td> </td>
</tr>
<tr valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
<td> </td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap">$</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="right" nowrap="nowrap">7,410,129</td>
<td style="font-family: Arial, Helvetica;" valign="bottom" align="left" nowrap="nowrap"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td> </td>
<td> </td>
<td style="border-top: #000000 3px double;"> </td>
<td style="border-top: #000000 3px double;"> </td>
<td> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="font-family: Arial, Helvetica;" valign="bottom" colspan="5"> </td>
</tr>
<tr style="font-size: 1pt;" valign="bottom">
<td style="border-top: #000000 1px solid;" colspan="5"> </td>
</tr>
</table>
<div style="font-size: 10pt; background: #ffffff; margin-left: 0%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left"></div>
<!-- XBRL,n -->
<div style="margin-top: 12pt; font-size: 1pt;"> </div>
<p> </p>
</div><!-- body --></div></div> </div>
464054000
208814000
427563000
194661000
1675094000
<div> <div><!-- 2.0.3706.15792 --><div><!-- body --><div>
<p></p>
<table style="font-size: 10pt; background: #ffffff; color: #000000; font-family: Arial, Helvetica;" cellspacing="0" cellpadding="0" width="100%" border="0">
<tr valign="top">
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">1. </font></b></td>
<td><b><font class="_mt" style="font-family: Arial, Helvetica;">Summary of Significant Accounting Policies</font></b></td>
</tr>
</table>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Basis of Presentation</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The condensed consolidated balance sheet as of January 31, 2010, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2010 and 2009, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2010 and 2009 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January 31, 2010 and for all periods presented have been made.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The accompanying condensed consolidated financial statements include the accounts of the Company and our wholly-owned subsidiaries, but exclude the operations of variable interest entities of which we are not the primary beneficiary. See note 2 for further discussion. Intercompany transactions and balances have been eliminated.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">“H&R Block,” “the Company,” “we,” “our” and “us” are used interchangeably to refer to H&R Block, Inc. or to H&R Block, Inc. and its subsidiaries, as appropriate to the context.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Certain reclassifications have been made to prior year amounts to conform to the current year presentation. In addition, we realigned our segments as discussed in note 14, and accordingly restated segment disclosures for prior periods. These changes had no effect on our results of operations or stockholders’ equity as previously reported.</div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 2%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto included in our April 30, 2009 Annual Report to Shareholders on <font class="_mt" style="white-space: nowrap;">Form 10-K.</font> All amounts presented herein as of April 30, 2009 or for the year then ended, are derived from our April 30, 2009 Annual Report to Shareholders on <font class="_mt" style="white-space: nowrap;">Form 10-K.</font></div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Management Estimates</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">The preparation of financial statements in conformity with generally accepted accounting principles 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 financial statements, and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending litigation, fair value of reporting units, reserves for uncertain tax positions and related matters. We revise our estimates when facts and circumstances dictate. However, future events and their effects cannot be determined with absolute certainty. As such, actual results could differ materially from those estimates.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Seasonality of Business</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Our operating revenues are seasonal in nature with peak revenues occurring in the months of January through April. Therefore, results for interim periods are not indicative of results to be expected for the full year.</div>
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<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; margin-right: 0%; font-family: Arial, Helvetica;" align="left"><font class="_mt" style="font-family: Arial, Helvetica;">Concentrations of Risk</font></div>
<div style="font-size: 10pt; background: #ffffff; margin-left: 4%; color: #000000; text-indent: 0%; margin-right: 0%; font-family: 'Times New Roman', Times;" align="left">Our mortgage loans held for investment include concentrations of loans to borrowers in certain states, which may result in increased exposure to loss as a result of changes in real estate values and underlying economic or market conditions related to a particular geographical location. Approximately 51.6% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California and New York. </div>
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