0000012659 hrb:SeniorNotesDueOnOctoberTwoZeroOneFourMember 2012-01-31 0000012659 hrb:SeniorNotesDueOnJanuaryTwoZeroOneThreeMember 2012-01-31 0000012659 hrb:SeniorNotesDueOnOctoberTwoZeroOneFourMember 2011-04-30 0000012659 hrb:SeniorNotesDueOnJanuaryTwoZeroOneThreeMember 2011-04-30 0000012659 hrb:SeniorNotesDueOnOctoberTwoZeroOneFourMember 2011-01-31 0000012659 hrb:SeniorNotesDueOnJanuaryTwoZeroOneThreeMember 2011-01-31 0000012659 hrb:LoansToFranchiseesMember 2010-05-01 2011-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-05-01 2012-01-31 0000012659 hrb:AllOtherReceivablesMember 2011-05-01 2012-01-31 0000012659 hrb:TaxClientReceivablesMember 2010-05-01 2011-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-05-01 2011-01-31 0000012659 hrb:AllOtherReceivablesMember 2010-05-01 2011-01-31 0000012659 hrb:AllOtherReceivablesMember 2012-01-31 0000012659 hrb:AllOtherReceivablesMember 2011-04-30 0000012659 hrb:AllOtherReceivablesMember 2011-01-31 0000012659 hrb:TaxClientReceivablesMember 2010-04-30 0000012659 hrb:LoansToFranchiseesMember 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-04-30 0000012659 hrb:AllOtherReceivablesMember 2010-04-30 0000012659 us-gaap:LineOfCreditMember 2012-01-31 0000012659 hrb:TermLoansMember 2012-01-31 0000012659 hrb:RoyaltiesFromFranchiseesMember 2012-01-31 0000012659 hrb:RefundAnticipationChecksFeesReceivableMember 2012-01-31 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2012-01-31 0000012659 hrb:ReceivableFromMcgladreyAndPullenLlpMember 2012-01-31 0000012659 hrb:OtherReceivablesMember 2012-01-31 0000012659 hrb:LoansToFranchiseesMember 2012-01-31 0000012659 hrb:TaxClientReceivablesMember 2011-04-30 0000012659 hrb:RoyaltiesFromFranchiseesMember 2011-04-30 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2011-04-30 0000012659 hrb:OtherReceivablesMember 2011-04-30 0000012659 hrb:LoansToFranchiseesMember 2011-04-30 0000012659 hrb:TaxClientReceivablesMember 2011-01-31 0000012659 hrb:RoyaltiesFromFranchiseesMember 2011-01-31 0000012659 hrb:RefundAnticipationChecksFeesReceivableMember 2011-01-31 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2011-01-31 0000012659 hrb:OtherReceivablesMember 2011-01-31 0000012659 hrb:LoansToFranchiseesMember 2011-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-01-31 0000012659 hrb:CommittedLineOfCreditAgreementMember 2012-03-02 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember us-gaap:MinimumMember 2012-01-31 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember us-gaap:MaximumMember 2012-01-31 0000012659 2010-05-01 2011-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2012-01-31 0000012659 hrb:RepurchaseAndIndemnificationsMember 2011-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2011-01-31 0000012659 hrb:RepurchaseAndIndemnificationsMember 2011-01-31 0000012659 us-gaap:IndemnificationGuaranteeMember 2010-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-04-30 0000012659 hrb:TotalPastDueMember hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:TotalPastDueMember hrb:AllOtherMember 2012-01-31 0000012659 hrb:SixtyToEightyNineDaysPastDueMember hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:SixtyToEightyNineDaysPastDueMember hrb:AllOtherMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusOwnerOccupiedMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusNonOwnerOccupiedMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingMediumMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingHighMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelStatedIncomeMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelNoDocumentationMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelLimitedDocumentationMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelFullDocumentationMember 2012-01-31 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:AllOtherMember 2012-01-31 0000012659 hrb:LessThanSixtyDaysPastDueMember hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:LessThanSixtyDaysPastDueMember hrb:AllOtherMember 2012-01-31 0000012659 hrb:CurrentMember hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:CurrentMember hrb:AllOtherMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:OccupancyStatusOwnerOccupiedMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:OccupancyStatusNonOwnerOccupiedMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:InternalRiskRatingLowMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelStatedIncomeMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelNoDocumentationMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelLimitedDocumentationMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelFullDocumentationMember 2012-01-31 0000012659 hrb:TotalPastDueMember 2012-01-31 0000012659 hrb:SixtyToEightyNineDaysPastDueMember 2012-01-31 0000012659 hrb:OccupancyStatusOwnerOccupiedMember 2012-01-31 0000012659 hrb:OccupancyStatusNonOwnerOccupiedMember 2012-01-31 0000012659 hrb:NinetyDaysPlusPastDueMember 2012-01-31 0000012659 hrb:LessThanSixtyDaysPastDueMember 2012-01-31 0000012659 hrb:InternalRiskRatingMediumMember 2012-01-31 0000012659 hrb:InternalRiskRatingLowMember 2012-01-31 0000012659 hrb:InternalRiskRatingHighMember 2012-01-31 0000012659 hrb:DocumentationLevelStatedIncomeMember 2012-01-31 0000012659 hrb:DocumentationLevelNoDocumentationMember 2012-01-31 0000012659 hrb:DocumentationLevelLimitedDocumentationMember 2012-01-31 0000012659 hrb:DocumentationLevelFullDocumentationMember 2012-01-31 0000012659 hrb:CurrentMember 2012-01-31 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2012-01-31 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:YearOfOrigination2012Member 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:RevolvingLoansMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorOneYearFormOriginationMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorCurrentYearOfOriginationMember 2012-01-31 0000012659 hrb:TaxClientReceivablesMember 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2012-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2012-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2011-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2011-01-31 0000012659 us-gaap:OtherInterestIncomeMember 2011-11-01 2012-01-31 0000012659 hrb:MortgageLoansMember 2011-11-01 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-11-01 2012-01-31 0000012659 us-gaap:OtherInterestIncomeMember 2011-05-01 2012-01-31 0000012659 hrb:MortgageLoansMember 2011-05-01 2012-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-05-01 2012-01-31 0000012659 us-gaap:OtherInterestIncomeMember 2010-11-01 2011-01-31 0000012659 hrb:MortgageLoansMember 2010-11-01 2011-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-11-01 2011-01-31 0000012659 us-gaap:OtherInterestIncomeMember 2010-05-01 2011-01-31 0000012659 hrb:MortgageLoansMember 2010-05-01 2011-01-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-05-01 2011-01-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2011-11-01 2012-01-31 0000012659 us-gaap:DepositsMember 2011-11-01 2012-01-31 0000012659 us-gaap:BorrowingsMember 2011-11-01 2012-01-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2011-05-01 2012-01-31 0000012659 us-gaap:DepositsMember 2011-05-01 2012-01-31 0000012659 us-gaap:BorrowingsMember 2011-05-01 2012-01-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2010-11-01 2011-01-31 0000012659 us-gaap:DepositsMember 2010-11-01 2011-01-31 0000012659 us-gaap:BorrowingsMember 2010-11-01 2011-01-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2010-05-01 2011-01-31 0000012659 us-gaap:DepositsMember 2010-05-01 2011-01-31 0000012659 us-gaap:BorrowingsMember 2010-05-01 2011-01-31 0000012659 us-gaap:ParentCompanyMember 2011-11-01 2012-01-31 0000012659 hrb:TaxServicesMember 2011-11-01 2012-01-31 0000012659 hrb:CorporateMember 2011-11-01 2012-01-31 0000012659 hrb:CorporateMember 2011-05-01 2012-01-31 0000012659 us-gaap:ParentCompanyMember 2010-11-01 2011-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-11-01 2011-01-31 0000012659 hrb:TaxServicesMember 2010-11-01 2011-01-31 0000012659 hrb:CorporateMember 2010-11-01 2011-01-31 0000012659 hrb:TaxServicesMember 2010-05-01 2011-01-31 0000012659 hrb:CorporateMember 2010-05-01 2011-01-31 0000012659 us-gaap:CustomerRelationshipsMember hrb:ExpresstaxBrandMember 2011-05-01 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithoutAllowanceMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithAllowanceMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithoutAllowanceMember 2012-01-31 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithAllowanceMember 2012-01-31 0000012659 hrb:PortfolioBalanceWithoutAllowanceMember 2012-01-31 0000012659 hrb:PortfolioBalanceWithAllowanceMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:ExpresstaxBrandMember 2011-05-01 2012-01-31 0000012659 hrb:RsmMcgladreyIncMember 2011-05-01 2011-07-31 0000012659 hrb:RsmEquicoIncMember 2011-05-01 2011-07-31 0000012659 hrb:TaxServicesMember 2012-01-31 0000012659 hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-05-01 2012-01-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-05-01 2012-01-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-05-01 2011-01-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-05-01 2011-01-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-05-01 2011-01-31 0000012659 us-gaap:NoncompeteAgreementsMember hrb:TaxServicesMember 2012-01-31 0000012659 us-gaap:FranchiseRightsMember hrb:TaxServicesMember 2012-01-31 0000012659 us-gaap:CustomerRelationshipsMember hrb:TaxServicesMember 2012-01-31 0000012659 hrb:TradeNameAmortizingMember hrb:TaxServicesMember 2012-01-31 0000012659 hrb:ReacquiredFranchiseRightsMember hrb:TaxServicesMember 2012-01-31 0000012659 hrb:PurchasedTechnologyMember hrb:TaxServicesMember 2012-01-31 0000012659 us-gaap:NoncompeteAgreementsMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:FranchiseRightsMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:CustomerRelationshipsMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:TradeNameAmortizingMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:ReacquiredFranchiseRightsMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:PurchasedTechnologyMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:FairValueInputsLevel1Member 2011-01-31 0000012659 hrb:RsmMcgladreyIncMember 2011-05-01 2012-01-31 0000012659 hrb:RsmAndRelatedBusinessMember 2011-11-01 2012-01-31 0000012659 hrb:MortgageMember 2011-11-01 2012-01-31 0000012659 hrb:RsmAndRelatedBusinessMember 2011-05-01 2012-01-31 0000012659 hrb:MortgageMember 2011-05-01 2012-01-31 0000012659 hrb:RsmAndRelatedBusinessMember 2010-11-01 2011-01-31 0000012659 hrb:MortgageMember 2010-11-01 2011-01-31 0000012659 hrb:RsmAndRelatedBusinessMember 2010-05-01 2011-01-31 0000012659 hrb:MortgageMember 2010-05-01 2011-01-31 0000012659 hrb:SeniorNotesDueOnOctoberTwoZeroOneFourMember 2011-05-01 2012-01-31 0000012659 hrb:SeniorNotesDueOnJanuaryTwoZeroOneThreeMember 2011-05-01 2012-01-31 0000012659 hrb:PrimeMember us-gaap:MinimumMember 2012-01-31 0000012659 hrb:PrimeMember us-gaap:MaximumMember 2012-01-31 0000012659 hrb:LiborMember us-gaap:MinimumMember 2012-01-31 0000012659 hrb:LiborMember us-gaap:MaximumMember 2012-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-11-01 2012-01-31 0000012659 hrb:HrbBankInterestOnlyMortgageMember 2012-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-05-01 2012-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-05-01 2011-01-31 0000012659 us-gaap:SubsidiariesMember 2010-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-04-30 0000012659 hrb:BfcIssuerMember 2010-04-30 0000012659 2010-04-30 0000012659 2011-12-31 0000012659 2011-03-31 0000012659 us-gaap:MunicipalBondsMember us-gaap:ShortTermInvestmentsMember 2012-01-31 0000012659 us-gaap:MunicipalBondsMember us-gaap:OtherLongTermInvestmentsMember 2012-01-31 0000012659 us-gaap:MortgageBackedSecuritiesMember us-gaap:OtherLongTermInvestmentsMember 2012-01-31 0000012659 us-gaap:OtherLongTermInvestmentsMember 2012-01-31 0000012659 us-gaap:MunicipalBondsMember us-gaap:ShortTermInvestmentsMember 2011-04-30 0000012659 us-gaap:MunicipalBondsMember us-gaap:OtherLongTermInvestmentsMember 2011-04-30 0000012659 us-gaap:MortgageBackedSecuritiesMember us-gaap:OtherLongTermInvestmentsMember 2011-04-30 0000012659 us-gaap:OtherLongTermInvestmentsMember 2011-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-04-30 0000012659 hrb:PooledLessThan60DaysPastDueMember 2012-01-31 0000012659 hrb:IndividuallyTdrMember 2012-01-31 0000012659 hrb:Individually60DaysOrMorePastDueMember 2012-01-31 0000012659 hrb:PooledLessThan60DaysPastDueMember 2011-04-30 0000012659 hrb:IndividuallyTdrMember 2011-04-30 0000012659 hrb:Individually60DaysOrMorePastDueMember 2011-04-30 0000012659 us-gaap:ParentCompanyMember 2011-04-30 0000012659 hrb:BfcIssuerMember 2011-04-30 0000012659 2011-01-31 0000012659 2007-04-30 0000012659 2006-04-30 0000012659 2005-04-30 0000012659 us-gaap:SubsidiariesMember 2011-11-01 2012-01-31 0000012659 hrb:BfcIssuerMember 2011-11-01 2012-01-31 0000012659 us-gaap:SubsidiariesMember 2011-05-01 2012-01-31 0000012659 us-gaap:SubsidiariesMember 2010-11-01 2011-01-31 0000012659 hrb:BfcIssuerMember 2010-11-01 2011-01-31 0000012659 us-gaap:SubsidiariesMember 2010-05-01 2011-01-31 0000012659 us-gaap:ParentCompanyMember 2011-05-01 2012-01-31 0000012659 us-gaap:ParentCompanyMember 2010-05-01 2011-01-31 0000012659 hrb:BfcIssuerMember 2011-05-01 2012-01-31 0000012659 hrb:BfcIssuerMember 2010-05-01 2011-01-31 0000012659 us-gaap:MinimumMember 2011-05-01 2012-01-31 0000012659 us-gaap:MaximumMember 2011-05-01 2012-01-31 0000012659 us-gaap:ParentCompanyMember 2012-01-31 0000012659 us-gaap:ParentCompanyMember 2011-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2012-01-31 0000012659 hrb:BfcIssuerMember 2012-01-31 0000012659 us-gaap:SubsidiariesMember 2011-01-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-01-31 0000012659 hrb:BfcIssuerMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-01-31 0000012659 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-01-31 0000012659 hrb:MinimumCreditScoreMember 2011-05-01 2012-01-31 0000012659 hrb:MaximumCreditScoreMember 2011-05-01 2012-01-31 0000012659 hrb:PurchasedFromSccMember 2012-01-31 0000012659 hrb:AllOtherMember 2012-01-31 0000012659 hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:AllOtherMember 2011-04-30 0000012659 us-gaap:SubsidiariesMember 2012-01-31 0000012659 us-gaap:SubsidiariesMember 2011-04-30 0000012659 us-gaap:PendingOrThreatenedLitigationMember 2012-01-31 0000012659 hrb:TaxServicesMember 2011-05-01 2012-01-31 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2011-05-01 2012-01-31 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2010-05-01 2011-01-31 0000012659 us-gaap:FairValueInputsLevel3Member 2012-01-31 0000012659 us-gaap:FairValueInputsLevel2Member 2012-01-31 0000012659 us-gaap:FairValueInputsLevel1Member 2012-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2012-01-31 0000012659 us-gaap:FairValueInputsLevel3Member 2011-01-31 0000012659 us-gaap:FairValueInputsLevel2Member 2011-01-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2011-01-31 0000012659 hrb:RsmMcgladreyIncMember 2012-01-31 0000012659 hrb:RsmEquicoIncMember 2011-05-01 2012-01-31 0000012659 hrb:TwoThousandSixMember 2012-02-01 2012-04-30 0000012659 hrb:TwoThousandSevenMember 2012-02-01 2012-04-30 0000012659 hrb:TwoThousandFiveMember 2012-02-01 2012-04-30 0000012659 2012-02-01 2012-04-30 0000012659 hrb:TwoThousandSixMember 2011-11-01 2012-01-31 0000012659 hrb:TwoThousandSevenMember 2011-11-01 2012-01-31 0000012659 hrb:TwoThousandFiveMember 2011-11-01 2012-01-31 0000012659 hrb:PrivateLabelSecuritizationTransactionsMember 2011-11-01 2012-01-31 0000012659 hrb:MonolineInsurersMember 2011-11-01 2012-01-31 0000012659 hrb:TwoThousandSixMember 2011-08-01 2011-10-31 0000012659 hrb:TwoThousandSevenMember 2011-08-01 2011-10-31 0000012659 2011-08-01 2011-10-31 0000012659 hrb:TwoThousandSixMember 2011-05-01 2011-07-31 0000012659 hrb:TwoThousandSevenMember 2011-05-01 2011-07-31 0000012659 2011-05-01 2011-07-31 0000012659 hrb:TwoThousandSixMember 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandSevenMember 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandFiveMember 2011-02-01 2011-04-30 0000012659 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandSixMember 2010-11-01 2011-01-31 0000012659 hrb:TwoThousandSevenMember 2010-11-01 2011-01-31 0000012659 hrb:TwoThousandSixMember 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandSevenMember 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandFiveMember 2010-08-01 2010-10-31 0000012659 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandSixMember 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandSevenMember 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandFiveMember 2010-05-01 2010-07-31 0000012659 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandSixMember 2010-02-01 2010-04-30 0000012659 2010-02-01 2010-04-30 0000012659 hrb:TwoThousandSixMember 2009-11-01 2010-01-31 0000012659 hrb:TwoThousandSevenMember 2009-11-01 2010-01-31 0000012659 2009-11-01 2010-01-31 0000012659 hrb:TwoThousandSixMember 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandSevenMember 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandFiveMember 2009-08-01 2009-10-31 0000012659 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandSixMember 2009-05-01 2009-07-31 0000012659 hrb:TwoThousandSevenMember 2009-05-01 2009-07-31 0000012659 2009-05-01 2009-07-31 0000012659 hrb:TwoThousandSixMember 2008-05-01 2009-04-30 0000012659 hrb:TwoThousandSevenMember 2008-05-01 2009-04-30 0000012659 hrb:TwoThousandFiveMember 2008-05-01 2009-04-30 0000012659 2008-05-01 2009-04-30 0000012659 2012-02-01 2012-02-29 0000012659 2011-11-01 2012-01-31 0000012659 2010-11-01 2011-01-31 0000012659 2010-05-01 2011-01-31 0000012659 hrb:PurchasedFromSccMember 2011-05-01 2012-01-31 0000012659 hrb:AllOtherMember 2011-05-01 2012-01-31 0000012659 hrb:RsmMcgladreyIncMember 2011-11-01 2012-01-31 0000012659 2012-01-31 0000012659 2011-04-30 0000012659 2012-02-29 0000012659 2011-05-01 2012-01-31 iso4217:USD xbrli:shares hrb:days iso4217:USD xbrli:pure xbrli:shares false --04-30 Q3 2012 2012-01-31 10-Q 0000012659 293563719 Large Accelerated Filer H&R BLOCK INC 0.58 0.58 1000000 69794000 71471000 11055000 9011000 177504000 0.174 0.065 0.239 80849000 80482000 284200000 79000000 84000000000 310546000 305144000 299450000 292963000 200000000 200000000 <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 29%;"> </td> <td style="width: 36pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 49pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">(in millions)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fiscal Year</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">Fiscal Year 2010</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"> Fiscal Year 2011</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">Fiscal Year 2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2009</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q4</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q4</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total</td></tr> <tr><td valign="top"> Loan Origination Year:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> 2005 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89 </td></tr> <tr><td valign="top"> 2006 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> 217 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 57 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 50 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 130 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 707 </td></tr> <tr><td valign="top"> 2007 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> 153 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 353 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 548 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> $ 432 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 83 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 11 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 109 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 33 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 55 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 483 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,344 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> 432000000 62000000 153000000 217000000 6000000 4000000 2000000 83000000 15000000 11000000 57000000 11000000 7000000 4000000 45000000 45000000 109000000 6000000 3000000 100000000 21000000 1000000 5000000 15000000 33000000 4000000 29000000 55000000 1000000 4000000 50000000 31000000 2000000 29000000 483000000 353000000 130000000 35000000 6000000 29000000 4000000 2000000 29000000 1344000000 89000000 548000000 707000000 399000000 1585985000 6000000 54000000 32300000 -142000 -148000 -152000 24000 7500000 1200000 0.038 0.005 0.033 0.090 0.065 0.025 0.42 0.42 -10590000 -4351000 -7792000 -6986000 -1512000 -772000 5805000 <div> <div class="MetaData">   <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 48%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 27pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 30pt;"> </td> <td style="width: 42pt;"> </td> <td style="width: 62pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">To Be Well Capitalized</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">For Capital Adequacy</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Under Prompt Corrective</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Actual </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Purposes </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Action Provisions </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td></tr> <tr><td valign="top"> As of December 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total risk-based capital ratio (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 411,163 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 48.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 67,407 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 84,258 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10.0 %</td></tr> <tr><td valign="top"> Tier 1 risk-based capital ratio (2) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,555 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.0 %</td></tr> <tr><td valign="top"> Tier 1 capital ratio (leverage) (3) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25.6 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 187,642 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 78,184 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5.0 %</td></tr> <tr><td valign="top"> Tangible equity ratio (4) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25.6 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 23,455 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td></tr> <tr><td valign="top"> As of March 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total risk-based capital ratio (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 405,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 92.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35,019 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,773 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10.0 %</td></tr> <tr><td valign="top"> Tier 1 risk-based capital ratio (2) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 91.2 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,264 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.0 %</td></tr> <tr><td valign="top"> Tier 1 capital ratio (leverage) (3) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 209,758 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,399 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5.0 %</td></tr> <tr><td valign="top"> Tangible equity ratio (4) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,220 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td></tr></table>   (1) Total risk-based capital divided by risk-weighted assets. (2) Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets. (3) Tier 1 (core) capital divided by adjusted total assets. (4) Tangible capital divided by tangible assets. </div></div> </div> 60 <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"> (in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,508 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 171,071 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 416,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 549,180 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax income (loss) from operations:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> RSM and related businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,117 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,327 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 18,831 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15,228 </td></tr> <tr><td valign="top"> Mortgage </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (27,385 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,551 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (54,019 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (17,125 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,268 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,224 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (35,188 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,897 )</td></tr> <tr><td valign="top"> Income taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,462 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (537 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,268 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 268 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (19,806 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (24,920 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax loss on sales of businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (236 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (109,485 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (20,260 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,969 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net gain (loss) on sales of businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,024 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (49,519 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 218 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (74,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> 35000000 50000000 7700000 5700000 709493000 709493000 701743000 701743000 6191000 5170000 0.161 0.174 192400000 157464000 14106000 143358000 166136000 23283000 142853000 0.80 0.80 0.01 -7652000 -3337000 0.59 <div> <div class="MetaData"> Management Estimates <div> 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 claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.</div></div> </div> 700 700 174062000 174062000 103509000 103509000 372700000 260691000 10600000 -315752000 467873000 -152121000 61747000 322729000 -384476000 -467873000 467873000 -322729000 322729000 806400000 120 60 37695000 22209000 261841000 90653000 263078000 93024000 90304000 90304000 43649000 43649000 283494000 283494000 180566000 180566000 0.0070 0.0020 0.88 0.68 0.01 0.90 0.52 0.78 0.22 0.342 0.124 0.471 220000000 9926000 9926000 8455000 8455000 118754000 100028000 68423000 52932000 0.271 19532000 19532000 16883000 16883000 200000000 30 <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s)</td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Balance at beginning of period:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Amount related to repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 126,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 138,415 </td></tr> <tr><td valign="top"> Amount related to indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 49,785 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 126,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 188,200 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Changes:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Provision for estimated losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Losses on repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,337 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,652 )</td></tr> <tr><td valign="top"> Payments under indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,562 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance at end of period:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Amount related to repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 142,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 130,763 </td></tr> <tr><td valign="top"> Amount related to indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,223 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 142,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 154,986 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 67pt;"> </td> <td style="width: 74pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Emerald Advance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Tax Client</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Loans</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">All</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Lines of Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Receivables - RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">to Franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total </td></tr> <tr><td valign="top"> Balance as of April 30, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,400 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —    </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,543 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 47,943 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 33,570 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 50,632 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (34,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (34,436 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,970 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —    </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,169 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 64,139 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of April 30, 2010 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35,239 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 12,191 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,723 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 91,157 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 71,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22,961 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 94,288 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,919 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (12,193 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (37,492 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (82,608 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 73,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 29,192 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 102,837 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Portion of total allowance for loan losses allocated to impaired loans and TDR loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Based on collateral value method </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 69,794 </td></tr> <tr><td valign="top"> Based on discounted cash flow method </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,055 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,482 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,849 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 56%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 50pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Balance, beginning of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 92,087 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 93,535 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,275 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,100 </td></tr> <tr><td valign="top"> Recoveries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 160 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 169 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (19,573 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,928 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,876 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 30%;"> </td> <td style="width: 44pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 40pt;"> </td> <td style="width: 44pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 40pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">April 30, 2011 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amortized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amortized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair</td></tr> <tr><td valign="bottom" width="45%"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gains </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Losses (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Value </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gains </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Losses (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Value </td></tr> <tr><td valign="top"> Short-term:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,004 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,023 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 58 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,081 </td></tr> <tr><td valign="top"> Long-term:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 303,519 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,243 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 157,970 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 401 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 158,177 </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,708 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,312 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 347 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,659 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 308,779 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,691 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 312,183 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 163,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 748 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 163,836 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 310,780 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,694 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 166,305 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 806 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 166,917 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <div class="MetaData"> (1) At January 31, 2012 and April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. </div></div> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"> <tr><td style="width: 57%;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td valign="top"> Common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 130 </td></tr> <tr><td valign="top"> Additional paid-in capital </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,826 </td></tr> <tr><td valign="top"> Retained earnings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 169,548 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 177,504 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <div class="MetaData">     Condensed Consolidating Balance Sheets   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Cash & cash equivalents </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,065,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 153,825 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,218,984 </td></tr> <tr><td valign="top"> Cash & cash equivalents – restricted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,254 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 31,914 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 34,168 </td></tr> <tr><td valign="top"> Receivables, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 63 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 502,231 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,608 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,035,902 </td></tr> <tr><td valign="top"> Mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 430,189 </td></tr> <tr><td valign="top"> Intangible assets and goodwill, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 701,743 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 701,743 </td></tr> <tr><td valign="top"> Investments in subsidiaries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,694,728 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,706 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,694,728 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,706 </td></tr> <tr><td valign="top"> Other assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,841 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 535,743 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 885,513 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,430,097 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,703,632 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,535,865 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,308,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,695,017 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,852,789 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,588,277 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,587,988 </td></tr> <tr><td valign="top"> Long-term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 999,235 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td></tr> <tr><td valign="top"> Commercial paper borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,947 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,947 </td></tr> <tr><td valign="top"> FHLB borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td></tr> <tr><td valign="top"> Other liabilities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 246 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (108,361 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,270,283 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,162,168 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 896,937 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 68,684 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (965,621 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 806,449 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (267,917 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,962,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,694,728 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 806,449 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total liabilities and stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,703,632 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,535,865 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,308,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,695,017 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,852,789 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of April 30, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Cash & cash equivalents </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 616,238 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,061,656 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,677,844 </td></tr> <tr><td valign="top"> Cash & cash equivalents – restricted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,522 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,861 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 48,383 </td></tr> <tr><td valign="top"> Receivables, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 88 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 102,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 128,073 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,172 </td></tr> <tr><td valign="top"> Mortgage loans held for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 485,008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 485,008 </td></tr> <tr><td valign="top"> Intangible assets and goodwill, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 709,493 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 709,493 </td></tr> <tr><td valign="top"> Investments in subsidiaries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,699,555 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,699,555 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32 </td></tr> <tr><td valign="top"> Assets held for sale </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 900,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 900,328 </td></tr> <tr><td valign="top"> Other assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,613 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 469,461 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 755,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,238,193 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,713,256 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,682,240 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,593,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,699,605 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 5,289,453 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 852,270 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 852,220 </td></tr> <tr><td valign="top"> Long–term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 998,965 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,084 </td></tr> <tr><td valign="top"> FHLB borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td></tr> <tr><td valign="top"> Liabilities held for sale </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 241,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 241,562 </td></tr> <tr><td valign="top"> Other liabilities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 178 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,769 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,707,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,681,013 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,263,504 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,173 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,287,677 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,449,574 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (191,399 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,890,954 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,699,555 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,449,574 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total liabilities and stockholders'  equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,713,256 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,682,240 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,593,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,699,605 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 5,289,453 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table></div> </div> <div> <div class="MetaData"> Condensed Consolidating Statements of Cash Flows   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 43%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 58pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="52%" nowrap="nowrap"> Nine months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Net cash provided by (used in) operating activities: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,193 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (448,362 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (942,602 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,382,771 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from investing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchases of available–for–sale securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (178,014 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (178,014 )</td></tr> <tr><td valign="top"> Mortgage loans originated for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,460 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,460 </td></tr> <tr><td valign="top"> Purchase property & equipment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,397 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,549 )</td></tr> <tr><td valign="top"> Payments made for business acquisitions, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,022 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,022 )</td></tr> <tr><td valign="top"> Proceeds from sale of businesses, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,055 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,055 </td></tr> <tr><td valign="top"> Loans made to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (43,649 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (43,649 )</td></tr> <tr><td valign="top"> Repayments from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,455 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,455 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,729 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47,230 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,564 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 55,794 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) investing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (130,670 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 454,200 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,729 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 323,530 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from financing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Repayments of commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (413,221 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (413,221 )</td></tr> <tr><td valign="top"> Proceeds from commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 644,168 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 644,168 </td></tr> <tr><td valign="top"> Customer banking deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 735,491 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (239 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 735,252 </td></tr> <tr><td valign="top"> Dividends paid </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (150,058 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (150,058 )</td></tr> <tr><td valign="top"> Repurchase of common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (180,566 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (180,566 )</td></tr> <tr><td valign="top"> Proceeds from exercise of stock options, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (324 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (324 )</td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 61,747 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (384,476 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 26 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 57 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (31,507 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (31,424 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) financing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (330,922 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,028,242 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (415,983 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,490 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 603,827 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Effects of exchange rates on cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,446 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,446 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net increase (decrease) in cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 449,210 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (907,831 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (239 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (458,860 )</td></tr> <tr><td valign="top"> Cash – beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 616,238 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,061,656 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,677,844 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash – end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,065,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 153,825 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  1,218,984 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>     <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 43%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 58pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Net cash used in operating activities: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (43,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (725,197 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (737,195 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,505,418 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from investing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage loans originated for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45,316 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45,316 </td></tr> <tr><td valign="top"> Purchase property & equipment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (51,198 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (51,198 )</td></tr> <tr><td valign="top"> Payments made for business acquisitions, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50,832 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50,832 )</td></tr> <tr><td valign="top"> Proceeds from sale of businesses, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,298 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,298 </td></tr> <tr><td valign="top"> Loans made to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (90,304 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (90,304 )</td></tr> <tr><td valign="top"> Repayments from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,926 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,926 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (467,873 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,612 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,039 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,651 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) investing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,450 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,693 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (467,873 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (36,143 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from financing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Repayments of short-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,654,653 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,654,653 )</td></tr> <tr><td valign="top"> Proceeds from short-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,286,603 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,286,603 </td></tr> <tr><td valign="top"> Customer banking deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,003,482 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,208 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,002,274 </td></tr> <tr><td valign="top"> Dividends paid </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (140,926 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (140,926 )</td></tr> <tr><td valign="top"> Repurchase of common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (283,494 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (283,494 )</td></tr> <tr><td valign="top"> Proceeds from exercise of stock options </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (866 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (866 )</td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (315,752 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152,121 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 439 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (365 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,136 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,062 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) financing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (424,847 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,319,315 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (162,257 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 466,665 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,198,876 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Effects of exchange rates on cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,330 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net increase (decrease) in cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 587,668 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (924,815 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,208 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (338,355 )</td></tr> <tr><td valign="top"> Cash – beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 702,021 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,102,135 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (111 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,804,045 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash – end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,289,689 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 177,320 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,319 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,465,690 </td></tr></table></div> </div> <div> <div class="MetaData"> <div> <div class="MetaData"> <div> <div> Condensed Consolidating Statements of Operations   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 47%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> Three months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 65,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 597,837 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 663,280 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 77,965 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 377,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 455,240 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,705 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 202,031 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 211,736 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 87,670 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 579,467 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 666,976 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,066 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 18,370 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,696 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,301 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,369 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,026 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,670 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Income (loss) from continuing operations before tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (20,765 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,739 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,026 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td></tr> <tr><td valign="top"> Income tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,541 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,036 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (9,495 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,541 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,541 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,567 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,801 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,234 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,567 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,567 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 218 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (15,695 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (218 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 218 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,349 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (48,496 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45,147 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,349 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,349 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table></div></div></div></div> <div> <div class="MetaData"> <div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 47%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td valign="bottom" width="58%" nowrap="nowrap"> Three months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 74,103 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 606,193 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 680,296 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 118,708 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 376,176 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 494,884 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,220 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 203,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 213,339 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 128,928 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 579,295 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 708,223 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (54,825 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 26,898 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (27,927 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (521 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,480 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,968 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,959 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Income (loss) from continuing operations before taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (55,346 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,378 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,968 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td></tr> <tr><td valign="top"> Income taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (14,934 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,783 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,849 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,934 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (14,934 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (11,034 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (28,563 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,529 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,034 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (11,034 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (8,283 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,596 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,687 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (12,721 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (36,846 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 24,125 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 12,721 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (12,721 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 45%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 104,937 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 788,321 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 893,097 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 152,605 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 742,993 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 895,437 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,044 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 388,357 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 412,401 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 176,649 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,131,350 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,307,838 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,712 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (343,029 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (414,741 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,647 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,538 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 405,556 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,185 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (64,065 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (341,491 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 405,556 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (159,821 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,877 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (154,944 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 159,821 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (159,821 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (245,735 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,188 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (186,547 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 245,735 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (245,735 )</td></tr> <tr><td valign="top"> Net loss from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (74,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (36,398 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (38,038 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 74,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (74,436 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (320,171 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (95,586 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (224,585 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 320,171 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (320,171 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 45%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 112,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 787,298 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 899,721 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 193,695 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 758,839 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 952,534 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,689 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 351,212 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 372,901 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 215,384 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,110,051 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325,435 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (102,961 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,753 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (425,714 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,751 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 416,635 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,079 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (98,210 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (318,425 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 416,635 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (166,349 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (42,278 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (124,071 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 166,349 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (166,349 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (250,286 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (55,932 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194,354 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 250,286 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (250,286 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (12,617 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,452 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,165 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (252,451 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (68,549 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (183,902 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 252,451 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (252,451 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table></div></div></div></div></div> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> Credit Quality Indicators</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">All Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total Portfolio </td></tr> <tr><td valign="top"> Occupancy status:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Owner occupied </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 229,463 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 122,424 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 351,887 </td></tr> <tr><td valign="top"> Non-owner occupied </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 94,659 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 69,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 164,622 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Documentation level:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Full documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 95,323 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 140,179 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 235,502 </td></tr> <tr><td valign="top"> Limited documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,414 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,999 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,413 </td></tr> <tr><td valign="top"> Stated income </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 189,698 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,793 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 209,491 </td></tr> <tr><td valign="top"> No documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 30,687 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,416 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 43,103 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Internal risk rating:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> High </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 129,745 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 129,745 </td></tr> <tr><td valign="top"> Medium </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 194,377 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 194,377 </td></tr> <tr><td valign="top"> Low </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <div class="MetaData"> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 33%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 79pt;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">With Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">With No Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 179,776 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 40,672 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 220,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,084 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,390 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,755 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,145 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,398 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 205,166 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,427 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 255,593 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,482 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As of April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 180,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 51,674 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 232,061 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,733 </td></tr> <tr><td valign="top"> Other (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,027 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,561 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 36,588 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,116 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 209,414 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 59,235 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 268,649 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,849 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   (1) Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. </div></div> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 54%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Interest income:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Emerald Advance lines of credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 30,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 46,132 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 30,297 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 47,590 </td></tr> <tr><td valign="top"> Mortgage loans, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,948 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,760 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 18,771 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,466 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,957 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,680 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,305 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 39,476 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 56,012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 59,737 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 76,666 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest expense:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,382 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,678 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 63,625 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62,903 </td></tr> <tr><td valign="top"> Deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,587 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,275 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,457 </td></tr> <tr><td valign="top"> FHLB advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 150 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 397 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 452 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,189 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 23,543 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 24,662 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 69,352 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 70,549 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 51%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 49pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="66%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Total </td></tr> <tr><td valign="top"> Adjustable-rate loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 297,375 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 58 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 333,828 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 58 %</td></tr> <tr><td valign="top"> Fixed-rate loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 219,134 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 42 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 239,146 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 42 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 572,974 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 %</td></tr> <tr><td valign="top"> Unamortized deferred fees and costs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,629 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,121 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Less: Allowance for loan losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (89,949 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (92,087 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 485,008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 142,853 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 143,358 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,283 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,106 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 166,136 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 157,464 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> TDRs:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,849 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 329 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,178 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total non-accrual loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 173,147 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 160,642 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 40%;"> </td> <td style="width: 57pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Less than 60 Days Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">60 –89 Days Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">90+ Days Past Due(1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Current </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 28,876 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,159 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 141,247 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 176,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 147,840 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,524 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,639 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 30,586 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 161,801 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,299 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 7,683 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 161,886 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 206,868 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 309,641 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>  (1) We do not accrue interest on loans past due 90 days or more. </div> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 61pt;"> </td> <td style="width: 67pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Outstanding</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Loan Loss Allowance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% 30+ Days</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Principal Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Principal </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Past Due </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 77,373 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23.9 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47.1 %</td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,576 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.4 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17.4 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 34.2 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 33%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="46%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td></tr> <tr><td valign="top"> Pooled (less than 60 days past due) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 260,916 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 9,467 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 304,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 11,238 </td></tr> <tr><td valign="top"> Impaired:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Individually (TDRs) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 84,443 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 106,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,056 </td></tr> <tr><td valign="top"> Individually (60 days or more past due) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 171,150 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 71,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 162,321 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 69,793 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 572,974 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 92,087 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Average impaired loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 224,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,421 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 259,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 308,282 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest income on impaired loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,340 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 348 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,688 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,975 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest income on impaired loans recognized on a cash basis on non-accrual status:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,182 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 324 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,506 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,711 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 46%;"> </td> <td style="width: 72pt;"> </td> <td style="width: 79pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Emerald Advance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Tax Client</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Lines of Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Receivables - RALs </td></tr> <tr><td valign="top"> Credit Quality Indicator – Year of origination:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 410,648 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td></tr> <tr><td valign="top"> 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> 2010 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,848 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> 2009 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,866 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,034 </td></tr> <tr><td valign="top"> 2008 and prior </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,045 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,813 </td></tr> <tr><td valign="top"> Revolving loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,398 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 458,718 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,847 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 44%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">April 30, 2011 </td></tr> <tr><td valign="top"> Emerald Advance lines of credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 443,717 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 674,317 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,645 </td></tr> <tr><td valign="top"> Receivables for tax preparation and related fees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 333,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 280,364 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,930 </td></tr> <tr><td valign="top"> Royalties from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 88,597 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 84,049 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,645 </td></tr> <tr><td valign="top"> Loans to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 81,415 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 85,269 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,181 </td></tr> <tr><td valign="top"> Receivable from M&P </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32,342 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> RAC fees receivable </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,942 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 51,704 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Tax client receivables related to RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,727 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,874 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,412 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 89,665 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 95,732 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 131,302 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,100,041 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,276,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 278,115 </td></tr> <tr><td valign="top"> Allowance for doubtful accounts </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (64,139 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (102,837 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (47,943 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,035,902 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,173,472 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 230,172 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div> <div> <div class="MetaData"> Seasonality of Business 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> </div> 372901000 21689000 351212000 213339000 10220000 203119000 412401000 24044000 388357000 211736000 9705000 202031000 8000000 3360000 14700000 12500000 1.00 1.00 44400000 4000000000 6300000000 2900000000

1173472000

230172000

102011000

88000

128073000

1035902000

502231000

63000

533608000

458911000

40596000

550982000

597644000

578655000

617314000

11233000

7409000

7826000

812666000

797853000

102837000

47943000

64139000

92087000

69793000

11056000

11238000

89949000

12576000

71471000

9011000

9467000

77373000

169000

160000

29928000

19573000

12800000

4500000

15200000

4700000

12600000

9600000

5289453000

1682240000

-2699605000

2713256000

3593562000

4852789000

2535865000

-1695017000

1703632000

2308309000

3048087000

2519666000

900328000

166305000

163282000

157970000

5312000

3023000

310780000

308779000

303519000

5260000

2001000

1056000

1206000

4204000

4502000

303519000

306475000

310780000

2001000

2004000

166917000

163836000

158177000

5659000

3081000

314187000

312183000

306475000

5708000

2004000

806000

748000

401000

347000

58000

3694000

3691000

3243000

448000

3000

194000

287000

163836000

312183000

<div> 5. Investments in Available-for-Sale Securities The amortized cost and fair value of securities classified as available-for-sale (AFS) held at January 31, 2012 and April 30, 2011 are summarized below:   <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 30%;"> </td> <td style="width: 44pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 40pt;"> </td> <td style="width: 44pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 40pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">April 30, 2011 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amortized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amortized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Unrealized</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair</td></tr> <tr><td valign="bottom" width="45%"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gains </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Losses (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Value </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gains </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Losses (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Value </td></tr> <tr><td valign="top"> Short-term:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,004 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,023 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 58 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,081 </td></tr> <tr><td valign="top"> Long-term:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 303,519 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,243 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 157,970 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 401 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 158,177 </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,708 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,312 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 347 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,659 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 308,779 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,691 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 312,183 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 163,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 748 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 163,836 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 310,780 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,694 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (287 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 166,305 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 806 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (194 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 166,917 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <div class="MetaData"> (1) At January 31, 2012 and April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. </div></div> We did not record any other-than-temporary impairments of AFS securities during the three or nine months ended January 31, 2012. During the three and nine months ended January 31, 2011, we recorded other-than-temporary impairments of AFS securities totaling $1.5 million and $1.9 million, respectively, as a result of an assessment that it was probable we would not collect all amounts due or an assessment that we would not be able to hold the investments until potential recovery of market value. Contractual maturities of AFS debt securities at January 31, 2012, occur at varying dates over the next 30 years, and are set forth in the table below. <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost Basis </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair Value </td></tr> <tr><td valign="top"> Maturing in:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Less than one year </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,004 </td></tr> <tr><td valign="top"> Two to five years </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,204 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,502 </td></tr> <tr><td valign="top"> Six to ten years </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,056 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,206 </td></tr> <tr><td valign="top"> Beyond </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 303,519 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 306,475 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 310,780 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td></tr></table> </div>

<div> <div class="MetaData"> <div> Basis of Presentation The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 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, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. "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. 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, 2011 Annual Report to Shareholders on Form 10-K. All amounts presented herein as of April 30, 2011 or for the year then ended, are derived from our April 30, 2011 Annual Report to Shareholders on Form 10-K.</div></div> </div>

11000000

8200000

405000000

411163000

35019000

67407000

0.0800

0.080

43773000

84258000

0.100

0.925

0.488

1804045000

702021000

-111000

1102135000

1465690000

1289689000

-1319000

177320000

1677844000

616238000

-50000

1061656000

1218984000

1065448000

-289000

153825000

-338355000

587668000

-1208000

-924815000

-458860000

449210000

-239000

-907831000

230947000

632566000

230947000

<div> 12. Commitments and Contingencies 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:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Balance, beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 140,603 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 141,542 </td></tr> <tr><td valign="top"> Amounts deferred for new guarantees issued </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,376 </td></tr> <tr><td valign="top"> Revenue recognized on previous deferrals </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (57,254 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,882 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 102,820 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 101,036 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> In addition to amounts accrued for our POM guarantee, we had accrued $12.5 million and $14.7 million at January 31, 2012 and April 30, 2011, respectively, related to our standard guarantee which is included with our standard tax preparation services. The following table summarizes certain of our other contractual obligations and commitments:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s)</td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011</td></tr> <tr><td valign="top"> Franchise Equity Lines of Credit – undrawn commitment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 22,209 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,695 </td></tr> <tr><td valign="top"> Media advertising purchase obligation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,714 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,498 </td></tr></table> We have recorded liabilities totaling $8.2 million and $11.0 million as of January 31, 2012 and April 30, 2011, respectively, in conjunction with contingent payments related to recent acquisitions of our continuing operations, with the short-term amount recorded in accounts payable, accrued expenses and deposits and the long-term portion included in other noncurrent liabilities. Our estimate is based on current financial conditions. Should actual results differ materially from our assumptions, the potential payments will differ from the above estimate. 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, 2012. Variable Interests We evaluated our financial interests in variable interest entities (VIEs) as of January 31, 2012 and determined that, other than the changes related to the sale of RSM, there have been no significant changes related to those financial interests.        Discontinued Operations – Representation and Warranty Obligations SCC ceased originating mortgage loans in December 2007 and, in April 2008, sold its servicing assets and discontinued its remaining operations. The sale of servicing assets did not include the sale of any mortgage loans. In connection with the sale of loans and/or residential mortgage-backed securities (RMBS), SCC made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of the lien securing the loan, borrower fraud and the loan's compliance with SCC's underwriting criteria. Representations and warranties related to borrower fraud in whole loan sale transactions to institutional investors, which represented approximately 68% of the disposal of originated loans, included a "knowledge qualifier" which limits SCC's liability to those instances where SCC had knowledge of the fraud at the time the loans were sold. Representations and warranties made in other sale transactions did not include a knowledge qualifier. In the event that there is a breach of a representation and warranty and such breach materially and adversely affects the value of a mortgage loan or a securitization insurer's or bondholders' interest in the mortgage loan, SCC may be obligated to repurchase the loan or otherwise indemnify certain parties for losses incurred in connection with loan liquidation. Generally, repurchase requests are not subject to a stated term, but actions to enforce a repurchase obligation would be subject to the applicable statutes of limitations. Representation and warranty claims received by SCC have primarily related to alleged breaches of representations and warranties related to a loan's compliance with the underwriting standards established by SCC at origination and borrower fraud. Claims received since May 1, 2008 are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 29%;"> </td> <td style="width: 36pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 26pt;"> </td> <td style="width: 22pt;"> </td> <td style="width: 49pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">(in millions)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fiscal Year</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">Fiscal Year 2010</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"> Fiscal Year 2011</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">Fiscal Year 2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2009</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q4</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q4</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q1</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q2</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Q3</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total</td></tr> <tr><td valign="top"> Loan Origination Year:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> 2005 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89 </td></tr> <tr><td valign="top"> 2006 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> 217 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 57 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 50 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 130 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 707 </td></tr> <tr><td valign="top"> 2007 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> 153 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 353 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 548 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"> $ 432 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 83 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 11 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 109 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 33 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 55 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 483 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,344 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   Note:   The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below. SCC received $35 million in claims in the third quarter of fiscal year 2012, most of which were asserted by a private-label securitization trustee on behalf of bondholders ($29 million) with the remainder asserted by monoline insurers ($6 million). The nature of the claims and the characteristics of the loans to which they relate, including loan vintage, loan performance characteristics, and alleged breaches of representations and warranties, are generally consistent with claims received in prior periods. The amount of claims received varies from period to period, and these variances have been and are expected to continue to fluctuate substantially. Although there is no certainty regarding future claims volume, expiring statutes of limitations and developments in securities litigation and other proceedings to which we are not a party could impact claim volumes during upcoming periods. SCC believes that claim volumes fluctuate in relation to the volume of requests from third parties for access to loan files managed by the party that services the majority of the outstanding SCC-originated loans. SCC and the servicer are currently in a legal dispute over the manner in which the servicer provides that access and the results of the dispute could impact the loan file access of third parties. For claims received, reviewed and determined to be valid or otherwise settled, SCC has complied with its obligations by either repurchasing the mortgage loans or related collateral, reimbursing losses in connection with liquidated collateral, or reaching other settlements. Since May 2008, SCC has denied approximately 88% of all claims reviewed, excluding loans covered by other settlements. Of claims determined to be valid, approximately 22% resulted in loan repurchases and 78% resulted in reimbursement or settlement payments. Losses on loan repurchase, indemnification and settlement payments totaled approximately $120 million for the period May 1, 2008 through January 31, 2012. Loss severity rates on repurchases and indemnification have approximated 59% and SCC has not observed any material trends related to average losses. Repurchased loans are considered held for sale and are included in prepaid expenses and other current assets on the condensed consolidated balance sheets. The net balance of all mortgage loans held for sale by SCC was $10.6 million at January 31, 2012. SCC generally has 60 to 120 days to respond to representation and warranty claims and performs a loan-by-loan review of all claims during this time. During the current quarter, SCC completed its review of prior period claims with an approximate principal balance of $220 million. Claims determined to be valid during the current quarter have estimated losses of $1.2 million. Payments related to these claims remained pending at January 31, 2012. Counterparties are able to reassert claims that SCC has denied. Claims totaling approximately $399 million remained subject to review as of January 31, 2012. As of January 31, 2012, approximately $79 million of claims under review represent a reassertion of previously denied claims. All claims asserted against SCC since May 1, 2008 relate to loans originated during calendar years 2005 through 2007, of which, approximately 90% relate to loans originated in calendar years 2006 and 2007. During calendar years 2005 through 2007, SCC originated approximately $84 billion in loans, of which less than 1% were sold directly to government sponsored entities. Government sponsored entities also purchased bonds backed by SCC-originated mortgage loans and, with respect to these bonds, have the same rights as other bondholders in private label securitizations. SCC is not subject to representation and warranty losses on loans that have been paid in full, repurchased, or were sold without recourse. The majority of claims asserted since May 1, 2008 determined by SCC to represent a valid breach of its representations and warranties, relate to loans that became delinquent within the first two years following the origination of the mortgage loan. Based on its experiences to date, SCC believes the longer a loan performs prior to an event of default, the less likely the default will be related to a breach of a representation and warranty. A loan that defaults within the first two years following the origination of the mortgage loan does not necessarily default due to a breach of a representation and warranty. Loans originated in 2005, 2006 and 2007 that defaulted in the first two years totaled $4.0 billion, $6.3 billion and $2.9 billion, respectively. SCC estimates losses relating to representation and warranty claims by estimating loan repurchase and indemnification obligations based on historical validity and severity rates on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a review of the terms and provisions of related agreements, the historical experience under repurchase and indemnification obligations related to breaches of representations and warranties and third-party activity, which includes inquiries from various third-parties, loan file access by third parties, and repurchase demands. SCC's methodology for calculating this liability also includes an assessment of the probability that individual counterparties (private label securitization trustees on behalf of bondholders, monoline insurers and whole-loan purchasers) will assert future claims. SCC has recorded a liability for estimated contingent losses related to representation and warranty claims as of January 31, 2012 of $142.9 million, which represents SCC's estimate of the probable loss that may occur. Although SCC reviewed claims during the quarter that were deemed valid, payments related to those claims were still pending as of January 31, 2012. As such, the balance of the recorded liability at January 31, 2012 remained unchanged from the preceding quarter. During the second quarter of fiscal year 2012, SCC observed substantially increased third-party activity. As a result of this third-party activity, SCC's estimate of probable claims increased from its prior expectations and accordingly, it recorded an additional loss provision at the end of the second quarter. In the third quarter of fiscal year 2012, third-party activity decreased relative to the second quarter. During the prior fiscal year, SCC made payments totaling $49.8 million under an indemnity agreement dated April 2008 with a specific counterparty in exchange for a full and complete release of such party's ability to assert representation and warranty claims. The indemnity agreement was given as part of obtaining the counterparty's consent to SCC's sale of its mortgage servicing business in 2008. SCC has no remaining payment obligations under this indemnity agreement.   The recorded liability represents SCC's estimate of losses from future representation and warranty claims where assertion of a claim and a related contingent loss are both determined to be probable. Because the rate at which future claims may be determined to be valid and actual loss severity rates may differ significantly from historical experience, SCC is not able to estimate reasonably possible loss outcomes in excess of its current accrual. A 1% increase in both assumed validity rates and loss severities would result in losses beyond SCC's accrual of approximately $22 million. This sensitivity is hypothetical and is intended to provide an indication of the impact of a change in key assumptions on the representations and warranties liability. In reality, changes in one assumption may result in changes in other assumptions, which could affect the sensitivity and the amount of losses. While SCC uses what it believes to be the best information available to it in estimating its liability, assessing the likelihood that claims will be asserted in the future and estimating probable losses are inherently subjective and require considerable management judgment. To the extent that the volume of asserted claims, the level of valid claims, the counterparties asserting claims, the nature of claims, or the value of residential home prices, among other factors, differ in the future from current estimates, future losses may be greater than the current estimates and those differences may be significant. A rollforward of our liability for losses on repurchases for the nine months ended January 31, 2012 and 2011 is as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s)</td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Balance at beginning of period:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Amount related to repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 126,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 138,415 </td></tr> <tr><td valign="top"> Amount related to indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 49,785 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 126,260 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 188,200 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Changes:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Provision for estimated losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Losses on repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,337 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,652 )</td></tr> <tr><td valign="top"> Payments under indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,562 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance at end of period:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Amount related to repurchase and indemnifications </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 142,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 130,763 </td></tr> <tr><td valign="top"> Amount related to indemnity agreement dated April 2008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,223 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 142,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 154,986 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Discontinued Operations – Indemnification Obligations SCC may also have indemnification obligations with respect to loans and securities it originated and sold, as discussed in note 14. See discussion in note 13 below for indemnification obligations related to the sales of RSM and MCM. </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s)</td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011</td></tr> <tr><td valign="top"> Franchise Equity Lines of Credit – undrawn commitment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 22,209 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,695 </td></tr> <tr><td valign="top"> Media advertising purchase obligation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,714 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,498 </td></tr></table> </div>

0.45

0.15

0.50

0.20

0.01

800000000

412440599

399397099

4124000

3994000

130000

-246967000

-7974000

-323995000

-299000

0.63

<div> <div class="MetaData"> <div> 17. Condensed Consolidating Financial Statements BFC is an indirect, wholly-owned 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 CLOC 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> Condensed Consolidating Statements of Operations   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 47%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> Three months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 65,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 597,837 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 663,280 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 77,965 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 377,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 455,240 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,705 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 202,031 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 211,736 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 87,670 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 579,467 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 666,976 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,066 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 18,370 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,696 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,301 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,369 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,026 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,670 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Income (loss) from continuing operations before tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (20,765 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,739 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,026 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,026 )</td></tr> <tr><td valign="top"> Income tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,541 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,036 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (9,495 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,541 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,541 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,567 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,801 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,234 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,567 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,567 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 218 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (15,695 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (218 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 218 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,349 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (48,496 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45,147 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,349 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,349 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 47%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td valign="bottom" width="58%" nowrap="nowrap"> Three months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 74,103 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 606,193 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 680,296 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 118,708 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 376,176 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 494,884 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,220 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 203,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 213,339 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 128,928 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 579,295 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 708,223 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (54,825 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 26,898 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (27,927 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (521 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,480 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,968 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,959 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Income (loss) from continuing operations before taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (55,346 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,378 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,968 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (25,968 )</td></tr> <tr><td valign="top"> Income taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (14,934 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,783 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,849 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,934 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (14,934 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (11,034 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (28,563 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,529 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,034 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (11,034 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (8,283 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,596 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,687 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (12,721 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (36,846 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 24,125 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 12,721 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (12,721 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>     <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 45%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 104,937 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 788,321 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 893,097 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 152,605 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 742,993 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 895,437 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,044 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 388,357 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 412,401 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 176,649 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,131,350 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (161 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,307,838 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,712 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (343,029 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (414,741 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,647 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,538 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 405,556 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,185 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (64,065 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (341,491 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 405,556 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (405,556 )</td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (159,821 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,877 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (154,944 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 159,821 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (159,821 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (245,735 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,188 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (186,547 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 245,735 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (245,735 )</td></tr> <tr><td valign="top"> Net loss from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (74,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (36,398 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (38,038 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 74,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (74,436 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (320,171 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (95,586 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (224,585 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 320,171 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (320,171 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 45%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Total revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 112,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 787,298 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 899,721 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cost of revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 193,695 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 758,839 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 952,534 </td></tr> <tr><td valign="top"> Selling, general and administrative </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,689 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 351,212 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 372,901 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total expenses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 215,384 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,110,051 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325,435 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Operating loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (102,961 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,753 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (425,714 )</td></tr> <tr><td valign="top"> Other income (expense), net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,751 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 416,635 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,079 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (98,210 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (318,425 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 416,635 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (416,635 )</td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (166,349 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (42,278 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (124,071 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 166,349 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (166,349 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (250,286 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (55,932 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (194,354 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 250,286 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (250,286 )</td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (12,617 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,452 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,165 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (252,451 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (68,549 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (183,902 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 252,451 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (252,451 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> <div class="MetaData">     Condensed Consolidating Balance Sheets   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Cash & cash equivalents </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,065,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 153,825 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,218,984 </td></tr> <tr><td valign="top"> Cash & cash equivalents – restricted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,254 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 31,914 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 34,168 </td></tr> <tr><td valign="top"> Receivables, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 63 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 502,231 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,608 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,035,902 </td></tr> <tr><td valign="top"> Mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 430,189 </td></tr> <tr><td valign="top"> Intangible assets and goodwill, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 701,743 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 701,743 </td></tr> <tr><td valign="top"> Investments in subsidiaries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,694,728 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,706 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,694,728 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,706 </td></tr> <tr><td valign="top"> Other assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,841 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 535,743 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 885,513 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,430,097 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,703,632 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,535,865 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,308,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,695,017 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,852,789 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,588,277 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,587,988 </td></tr> <tr><td valign="top"> Long-term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 999,235 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td></tr> <tr><td valign="top"> Commercial paper borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,947 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,947 </td></tr> <tr><td valign="top"> FHLB borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td></tr> <tr><td valign="top"> Other liabilities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 246 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (108,361 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,270,283 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,162,168 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 896,937 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 68,684 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (965,621 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 806,449 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (267,917 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,962,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,694,728 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 806,449 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total liabilities and stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,703,632 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,535,865 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,308,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,695,017 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,852,789 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of April 30, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Cash & cash equivalents </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 616,238 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,061,656 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,677,844 </td></tr> <tr><td valign="top"> Cash & cash equivalents – restricted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,522 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,861 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 48,383 </td></tr> <tr><td valign="top"> Receivables, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 88 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 102,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 128,073 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 230,172 </td></tr> <tr><td valign="top"> Mortgage loans held for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 485,008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 485,008 </td></tr> <tr><td valign="top"> Intangible assets and goodwill, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 709,493 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 709,493 </td></tr> <tr><td valign="top"> Investments in subsidiaries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,699,555 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,699,555 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32 </td></tr> <tr><td valign="top"> Assets held for sale </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 900,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 900,328 </td></tr> <tr><td valign="top"> Other assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,613 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 469,461 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 755,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,238,193 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,713,256 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,682,240 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,593,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,699,605 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 5,289,453 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 852,270 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 852,220 </td></tr> <tr><td valign="top"> Long–term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 998,965 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,119 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,084 </td></tr> <tr><td valign="top"> FHLB borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,000 </td></tr> <tr><td valign="top"> Liabilities held for sale </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 241,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 241,562 </td></tr> <tr><td valign="top"> Other liabilities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 178 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,769 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,707,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,681,013 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,263,504 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,173 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,287,677 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Stockholders' equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,449,574 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (191,399 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,890,954 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,699,555 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,449,574 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total liabilities and stockholders'  equity </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,713,256 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,682,240 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 3,593,562 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,699,605 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 5,289,453 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table></div></div> <div class="MetaData"> Condensed Consolidating Statements of Cash Flows   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 43%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 58pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(in 000s)  </td></tr> <tr><td valign="bottom" width="52%" nowrap="nowrap"> Nine months ended January 31, 2012  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Net cash provided by (used in) operating activities: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,193 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (448,362 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (942,602 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,382,771 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from investing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchases of available–for–sale securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (178,014 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (178,014 )</td></tr> <tr><td valign="top"> Mortgage loans originated for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,460 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,460 </td></tr> <tr><td valign="top"> Purchase property & equipment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,397 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (71,549 )</td></tr> <tr><td valign="top"> Payments made for business acquisitions, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,022 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,022 )</td></tr> <tr><td valign="top"> Proceeds from sale of businesses, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,055 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 533,055 </td></tr> <tr><td valign="top"> Loans made to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (43,649 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (43,649 )</td></tr> <tr><td valign="top"> Repayments from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,455 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,455 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,729 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47,230 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,564 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 55,794 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) investing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (130,670 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 454,200 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (322,729 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 323,530 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from financing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Repayments of commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (413,221 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (413,221 )</td></tr> <tr><td valign="top"> Proceeds from commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 644,168 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 644,168 </td></tr> <tr><td valign="top"> Customer banking deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 735,491 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (239 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 735,252 </td></tr> <tr><td valign="top"> Dividends paid </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (150,058 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (150,058 )</td></tr> <tr><td valign="top"> Repurchase of common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (180,566 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (180,566 )</td></tr> <tr><td valign="top"> Proceeds from exercise of stock options, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (324 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (324 )</td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 61,747 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (384,476 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 26 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 57 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (31,507 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (31,424 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) financing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (330,922 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,028,242 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (415,983 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 322,490 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 603,827 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Effects of exchange rates on cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,446 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,446 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net increase (decrease) in cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 449,210 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (907,831 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (239 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (458,860 )</td></tr> <tr><td valign="top"> Cash – beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 616,238 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,061,656 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,677,844 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash – end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,065,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 153,825 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (289 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  1,218,984 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>     <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 43%;"> </td> <td style="width: 64pt;"> </td> <td style="width: 58pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 58pt;"> </td></tr> <tr><td valign="bottom" width="55%" nowrap="nowrap"> Nine months ended January 31, 2011  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">H&R Block, Inc. (Guarantor)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">BFC (Issuer)  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Other Subsidiaries  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Eliminations  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Consolidated H&R Block  </td></tr> <tr><td valign="top"> Net cash used in operating activities: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (43,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (725,197 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (737,195 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,505,418 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from investing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage loans originated for investment, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45,316 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 45,316 </td></tr> <tr><td valign="top"> Purchase property & equipment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (51,198 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (51,198 )</td></tr> <tr><td valign="top"> Payments made for business acquisitions, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50,832 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (50,832 )</td></tr> <tr><td valign="top"> Proceeds from sale of businesses, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,298 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,298 </td></tr> <tr><td valign="top"> Loans made to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (90,304 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (90,304 )</td></tr> <tr><td valign="top"> Repayments from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,926 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,926 </td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (467,873 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,612 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,039 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,651 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) investing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,450 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,693 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (467,873 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (36,143 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash flows from financing:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Repayments of short-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,654,653 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,654,653 )</td></tr> <tr><td valign="top"> Proceeds from short-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,286,603 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,286,603 </td></tr> <tr><td valign="top"> Customer banking deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,003,482 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,208 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,002,274 </td></tr> <tr><td valign="top"> Dividends paid </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (140,926 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (140,926 )</td></tr> <tr><td valign="top"> Repurchase of common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (283,494 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (283,494 )</td></tr> <tr><td valign="top"> Proceeds from exercise of stock options </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (866 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (866 )</td></tr> <tr><td valign="top"> Net intercompany advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (315,752 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152,121 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 467,873 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Other, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 439 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (365 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,136 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,062 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net cash provided by (used in) financing activities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (424,847 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,319,315 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (162,257 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 466,665 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,198,876 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Effects of exchange rates on cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,330 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net increase (decrease) in cash </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 587,668 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (924,815 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,208 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (338,355 )</td></tr> <tr><td valign="top"> Cash – beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 702,021 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,102,135 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (111 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,804,045 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Cash – end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,289,689 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 177,320 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,319 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,465,690 </td></tr></table></div></div></div> </div>

952534000

193695000

758839000

494884000

118708000

376176000

895437000

152605000

-161000

742993000

455240000

77965000

-161000

377436000

1325435000

215384000

1110051000

708223000

128928000

579295000

1307838000

176649000

-161000

1131350000

666976000

87670000

-161000

579467000

852220000

852270000

-50000

1587988000

1588277000

-289000

1040084000

998965000

41119000

1040237000

999235000

41002000

557000

630996000

<div> 8. Borrowings Borrowings consist of the following:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 44%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 230,947 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 632,566 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td></tr> <tr><td height="8"> </td> <td height="8"> </td> <td height="8"> </td> <td height="8"> </td></tr> <tr><td valign="top"> Senior Notes, 7.875%, due January 2013 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,871 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,758 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,788 </td></tr> <tr><td valign="top"> Senior Notes, 5.125%, due October 2014 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,364 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,117 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,177 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 40,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,119 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total long-term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,039,788 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,084 </td></tr> <tr><td valign="top"> Less: Current portion </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (630,996 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (551 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (557 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 409,241 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,039,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,039,527 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> We had commercial paper borrowings of $230.9 million at January 31, 2012, compared to $632.6 million at the same time last year. These borrowings were used to fund our off-season losses and cover our seasonal working capital needs. As of January 31, 2012, our $600.0 million Senior Notes are included in current portion of long-term debt in our condensed consolidated balance sheet due to their contractual maturity in January 2013. At January 31, 2012, we maintained a committed line of credit (CLOC) agreement to support commercial paper issuances, general corporate purposes or for working capital needs. This facility provides funding up to $1.7 billion and matures July 31, 2013. This facility bears interest at an annual rate of LIBOR plus 1.30% to 2.80% or PRIME plus 0.30% to 1.80% (depending on the type of borrowing) and includes an annual facility fee of 0.20% to 0.70% of the committed amounts (based on our credit ratings). Covenants in this facility include: (1) maintenance of a minimum equity of $650.0 million on the last day of any fiscal quarter; and (2) reduction of the aggregate outstanding principal amount of short-term debt, as defined in the CLOC agreement, to $200.0 million or less for thirty consecutive days during the period March 1 to June 30 of each year. At January 31, 2012, we were in compliance with these covenants and had net worth of $806.4 million. We had no balance outstanding under the CLOC at January 31, 2012. Effective March 2, 2012, we amended our CLOC agreement to reduce the amount of minimum equity that we must maintain as of the last day of any fiscal quarter from $650.0 million to $500.0 million. HRB Bank is a member of the FHLB of Des Moines, which extends credit to member banks based on eligible collateral. At January 31, 2012, HRB Bank had total FHLB advance capacity of $284.2 million. There was $25.0 million outstanding on this facility, leaving remaining availability of $259.2 million. Mortgage loans held for investment of $372.7 million serve as eligible collateral and are used to determine total capacity. </div>

0.0280

0.0130

0.0180

0.0030

0.07875

0.05125

0.08

2013-01-01

2014-10-01

141542000

101036000

140603000

102820000

19376000

19471000

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Balance, beginning of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 140,603 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 141,542 </td></tr> <tr><td valign="top"> Amounts deferred for new guarantees issued </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,376 </td></tr> <tr><td valign="top"> Revenue recognized on previous deferrals </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (57,254 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,882 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 102,820 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 101,036 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

-59882000

-57254000

1593604000

54925000

18044000

50894000

17770000

-1897000

-17125000

15228000

-2224000

-10551000

8327000

-35188000

-54019000

18831000

-26268000

-27385000

1117000

12400000

37100000

-2165000

-1687000

-24920000

-19806000

<div> <div class="MetaData"> <div> Discontinued Operations – Recent Events <div> In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey & Pullen LLP (M&P) for net cash proceeds of $495.6 million. We also received a short-term note in the amount of $32.3 million and a long-term note in the amount of $54.0 million. M&P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $37.1 million, which includes an $85.4 million impairment of goodwill recorded in our first quarter and tax benefits of $20.5 million recorded in the third quarter associated with capital loss carry-forwards utilized. In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $1.0 million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $12.4 million and included a $14.3 million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.</div></div></div> </div>

-59969000

20500000

-20260000

495600000

-109485000

-236000

-2165000

-1687000

-74436000

218000

549180000

171071000

416436000

50508000

-49519000

20024000

-0.81

-0.04

-1.07

-0.01

<div> 2. Loss Per Share and Stockholders' Equity Basic and diluted loss per share is computed using 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. 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 for the three and nine months ended January 31, 2012, and 12.6 million shares for the three and nine months ended January 31, 2011, as the effect would be antidilutive due to the net loss from continuing operations during each period. The computations of basic and diluted loss per share from continuing operations are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 49%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"> (in 000s, except per share  amounts) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"> 2011 </td></tr> <tr><td valign="top"> Net loss from continuing operations attributable to shareholders </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,567 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (11,034 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (245,735 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (250,286 )</td></tr> <tr><td valign="top"> Amounts allocated to participating securities (nonvested shares)</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (148 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (142 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations attributable to common shareholders </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,543 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (11,182 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (245,887 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (250,428 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Basic weighted average common shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 292,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 305,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 299,450 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 310,546 </td></tr> <tr><td valign="top"> Potential dilutive shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Dilutive weighted average common shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 292,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 305,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 299,450 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 310,546 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss per share from continuing operations:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Basic </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.01 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.04 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.82 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.80 )</td></tr> <tr><td valign="top"> Diluted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.01 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.04 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.82 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.80 )</td></tr></table> The weighted average shares outstanding for the three and nine months ended January 31, 2012 decreased to 293.0 million and 299.5 million, respectively, from 305.1 million and 310.5 million for the three and nine months ended January 31, 2011, respectively, primarily due to share repurchases completed in the current fiscal year. During the nine months ended January 31, 2012, we purchased and immediately retired 13.0 million shares of our common stock at a cost of $177.5 million. The cost of shares retired during the current period was allocated to the components of stockholders' equity as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"> <tr><td style="width: 57%;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td valign="top"> Common stock </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 130 </td></tr> <tr><td valign="top"> Additional paid-in capital </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,826 </td></tr> <tr><td valign="top"> Retained earnings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 169,548 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 177,504 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> During the nine months ended January 31, 2011, we purchased and immediately retired 19.0 million shares of our common stock at a cost of $279.9 million. In addition to the shares we repurchased as described above, during the nine months ended January 31, 2012, we acquired 0.2 million shares of our common stock at an aggregate cost of $3.1 million. These shares represent shares swapped or surrendered to us in connection with the vesting of nonvested shares and the exercise of stock options. During the nine months ended January 31, 2011, we acquired 0.2 million shares at an aggregate cost of $3.5 million for similar purposes. During the nine months ended January 31, 2012 and 2011, we issued 1.0 million and 1.1 million shares of common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares. During the nine months ended January 31, 2012, we granted 2.4 million stock options and 1.0 million nonvested shares and units under our stock-based compensation plans. The weighted average fair value of options granted was $3.36 for management options. These awards typically vest over a three year period with one-third vesting each year. Stock-based compensation expense of our continuing operations totaled $2.0 million and $11.0 million for the three and nine months ended January 31, 2012, respectively, and $3.5 million and $7.3 million for the three and nine months ended January 31, 2011, respectively. At January 31, 2012, unrecognized compensation cost for options totaled $7.5 million, and for nonvested shares and units totaled $16.5 million. </div>

4330000

-3446000

208748000

130245000

16500000

32000

-2699555000

2699555000

32000

1706000

-1694728000

1694728000

1706000

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 60pt;"> </td> <td style="width: 60pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Estimated Fair Value </td></tr> <tr><td valign="top"> Mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 260,691 </td></tr> <tr><td valign="top"> Deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,593,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,585,985 </td></tr> <tr><td valign="top"> Long-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,078,152 </td></tr></table> </div>

<div> 6. Assets and Liabilities Measured at Fair Value We use the following valuation methodologies for assets and liabilities measured at fair value and the general classification of these instruments pursuant to the fair value hierarchy. Available-for-sale securities – Available-for-sale securities are carried at fair value on a recurring basis. When available, fair value is based on quoted prices in an active market for identical securities and as such, would be classified as Level 1. If quoted market prices are not available, we use a third-party pricing service to determine fair value and classify the securities as Level 2. The service's pricing model is based on market data and utilizes available trade, bid and other market information for similar securities. Available-for-sale securities that we classify as Level 2 include certain agency and non-agency mortgage-backed securities and municipal bonds. Real estate owned – REO includes foreclosed properties securing mortgage loans. Foreclosed assets are adjusted to fair value less costs to sell upon transfer of the loans to REO. Fair value is generally based on independent market prices or appraised values of the collateral. Subsequent holding period losses and losses arising from the sale of REO are expensed as incurred. Because our REO is valued based on significant inputs that are unobservable in the market and our own estimates of assumptions that we believe market participants would use in pricing the asset, these assets are classified as Level 3. Impaired mortgage loans held for investment – The fair value of impaired mortgage loans held for investment is generally based on the net present value of discounted cash flows for TDRs or the appraised value of the underlying collateral for all other loans. These loans are classified as Level 3. The following table presents for each hierarchy level the assets that were remeasured at fair value on both a recurring and non-recurring basis during the nine months ended January 31, 2012 and 2011 and the gains (losses) on those remeasurements:   <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 34pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 62pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(dollars in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gain (loss) </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,956 </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,712 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,712 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 451 </td></tr> <tr><td valign="top"> Non-recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> REO </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,883 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,883 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (772 )</td></tr> <tr><td valign="top"> Impaired mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 103,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 103,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,986 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 434,579 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 120,392 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (4,351 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As a percentage of total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As of January 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (91 )</td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,740 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,740 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 380 </td></tr> <tr><td valign="top"> Trust preferred security </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,575 )</td></tr> <tr><td valign="top"> Non-recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> REO </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,512 )</td></tr> <tr><td valign="top"> Impaired mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 174,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 174,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,792 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 222,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 28,688 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 193,594 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (10,590 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As a percentage of total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 0.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3.3 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> <div class="MetaData"> (1) Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.</div></div> There were no changes to the unobservable inputs used in determining the fair values of our level 2 and level 3 financial assets. The following methods were used to determine the fair values of our other financial instruments: Cash equivalents, accounts receivable, investment in Federal Home Loan Bank (FHLB) stock, accounts payable, accrued liabilities, commercial paper borrowings and FHLB borrowings – The carrying values reported in the balance sheet for these items approximate fair market value due to the relative short-term nature of the respective instruments. Long-term financing receivables – The carrying values reported in the balance sheet for loans to franchisees approximate fair market value due to the variable interest rates and respective collateral values of these assets. The long-term note receivable from M&P bears interest at a rate similar to available market rates, and therefore carrying value approximates fair market value. Long-term EA and tax client receivables related to RALs are carried at net realizable value which approximates fair value. Mortgage loans held for investment – The fair value of mortgage loans held for investment is generally determined using market pricing sources based on origination channel and performance characteristics. Deposits – The estimated fair value of demand deposits is the amount payable on demand at the reporting date. The estimated fair value of IRAs and other time deposits is estimated by discounting the future cash flows using the rates currently offered by HRB Bank for products with similar remaining maturities. Long-term debt and FHLB borrowings – The fair value of borrowings is based on rates currently available to us for obligations with similar terms and maturities, including current market yields on our Senior Notes. The carrying amounts and estimated fair values of our financial instruments at January 31, 2012 are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 60pt;"> </td> <td style="width: 60pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Estimated Fair Value </td></tr> <tr><td valign="top"> Mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 260,691 </td></tr> <tr><td valign="top"> Deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,593,604 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,585,985 </td></tr> <tr><td valign="top"> Long-term borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,078,152 </td></tr></table> </div>

<div> <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 34pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 62pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(dollars in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 1 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Level 3 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gain (loss) </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 306,475 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,956 </td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,712 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,712 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 451 </td></tr> <tr><td valign="top"> Non-recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> REO </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,883 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,883 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (772 )</td></tr> <tr><td valign="top"> Impaired mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 103,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 103,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,986 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 434,579 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 120,392 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (4,351 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As a percentage of total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As of January 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Mortgage-backed securities </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (91 )</td></tr> <tr><td valign="top"> Municipal bonds </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,740 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,740 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 380 </td></tr> <tr><td valign="top"> Trust preferred security </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,575 )</td></tr> <tr><td valign="top"> Non-recurring: </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> REO </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,512 )</td></tr> <tr><td valign="top"> Impaired mortgage loans held for investment </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 174,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 174,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,792 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 222,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 28,688 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 193,594 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (10,590 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As a percentage of total assets </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 0.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3.3 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> <div class="MetaData"> (1) Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.</div></div> </div>

25000000

222282000

28688000

193594000

434579000

314187000

120392000

3178000

329000

2849000

7011000

1282000

5729000

160642000

173147000

85294000

8505000

9961000

600000

41076000

3093000

22059000

95488000

10200000

13052000

750000

44805000

4053000

22628000

360636000

14700000

214330000

1325000

87624000

19201000

23456000

363636000

14700000

214330000

1325000

90355000

19201000

23725000

275342000

6195000

204369000

725000

46548000

16108000

1397000

268148000

4500000

201278000

575000

45550000

15148000

1097000

17700000

10700000

16500000

11300000

14600000

-1575000

-91000

380000

2956000

451000

120000000

434151000

433595000

9506000

<div> 7. Goodwill and Intangible Assets Changes in the carrying amount of the goodwill of our continuing operations for the nine months ended January 31, 2012 consist of the following:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"> <tr><td style="width: 57%;"> </td> <td style="width: 56pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Tax Services </td></tr> <tr><td valign="top"> Balance at April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Goodwill </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 459,039 </td></tr> <tr><td valign="top"> Accumulated impairment losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (24,888 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 434,151 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Changes:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Acquisitions </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,506 </td></tr> <tr><td valign="top"> Disposals and foreign currency changes </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (5,805 )</td></tr> <tr><td valign="top"> Impairments </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,257 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance at January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Goodwill </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 462,740 </td></tr> <tr><td valign="top"> Accumulated impairment losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,145 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 433,595 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> In the current year, we discontinued service under our ExpressTax brand. As a result, we recorded an impairment of the reporting unit's goodwill, which totaled $4.3 million. We test goodwill and other indefinite-life intangible assets for impairment annually or more frequently if events occur or circumstances change which would, more likely than not, reduce the fair value of a reporting unit below its carrying value. Intangible assets of our continuing operations consist of the following:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 40%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Accumulated Amortization </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Accumulated Amortization </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Net </td></tr> <tr><td valign="top"> Tax Services:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer relationships </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 90,355 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (44,805 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45,550 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,624 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (41,076 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 46,548 </td></tr> <tr><td valign="top"> Noncompete agreements </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,725 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,628 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,097 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,456 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,059 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,397 </td></tr> <tr><td valign="top"> Reacquired franchise rights </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 214,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (13,052 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 201,278 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 214,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (9,961 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 204,369 </td></tr> <tr><td valign="top"> Franchise agreements </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,201 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,053 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,148 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,201 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,093 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,108 </td></tr> <tr><td valign="top"> Purchased technology </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,700 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,200 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,500 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,700 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (8,505 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,195 </td></tr> <tr><td valign="top"> Trade name </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (750 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 575 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (600 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 725 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 363,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (95,488 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  268,148 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 360,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (85,294 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 275,342 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2012 was $4.7 and $15.2 million, respectively. Additionally, we recorded an impairment of customer relationships of $4.0 million, related to the discontinuation of our ExpressTax brand, as discussed above. Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2011 was $4.5 and $12.8 million, respectively. Estimated amortization of intangible assets for fiscal years 2012 through 2016 is $17.7 million, $16.5 million, $14.6 million, $11.3 million and $10.7 million, respectively. </div>

459039000

462740000

24888000

29145000

22700000

14300000

85400000

4257000

4300000

4257000

308282000

259423000

35421000

224002000

4975000

4688000

348000

4340000

4711000

4506000

324000

4182000

80849000

9116000

71733000

80482000

9398000

71084000

268649000

36588000

209414000

59235000

232061000

29027000

7561000

180387000

51674000

255593000

35145000

205166000

50427000

220448000

25390000

9755000

179776000

40672000

4000000

-416635000

-98210000

-91770000

-324865000

416635000

-416635000

-318425000

-25968000

-55346000

-30082000

4114000

25968000

-25968000

29378000

-405556000

-64065000

-93823000

-311733000

405556000

-405556000

-341491000

-1026000

-20765000

-32742000

31716000

1026000

-1026000

19739000

-250286000

-55932000

250286000

-250286000

-194354000

-11034000

-28563000

11034000

-11034000

17529000

-245735000

-59188000

245735000

-245735000

-186547000

-3567000

-32801000

3567000

-3567000

29234000

-0.80

-0.04

-0.82

-0.01

-0.80

-0.04

-0.82

-0.01

-0.80

-0.04

-0.82

-0.01

-2165000

-12617000

2165000

-2165000

10452000

-1687000

-8283000

1687000

-1687000

6596000

-74436000

-36398000

74436000

-74436000

-38038000

218000

-15695000

-218000

218000

15913000

-0.01

-0.25

<div> 9. Income Taxes We file a consolidated federal income tax return in the United States and file tax returns in various state and foreign jurisdictions. The U.S. Federal consolidated tax returns for the years 1999 through 2010 are currently under examination by the Internal Revenue Service, with the 1999-2007 years currently at the appellate level. Federal returns for 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. We had gross unrecognized tax benefits of $199.2 million and $154.8 million at January 31, 2012 and April 30, 2011, respectively. The gross unrecognized tax benefits increased $44.4 million net in the current year, due primarily to accruals of tax on positions related to current and prior years partially offset by statute of limitations expirations and settlements with taxing authorities. A majority of the tax expense related to the increase in unrecognized benefits is recorded in discontinued operations as it relates to operations that have been discontinued and/or disposed. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as long-term at January 31, 2012, and included this amount in other noncurrent liabilities on the condensed consolidated balance sheet. 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 gross amount of reserves for previously unrecognized tax benefits may decrease by approximately $3.5 million within the twelve month period after January 31, 2012. 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>

159916000

163471000

-166349000

-42278000

166349000

-166349000

-124071000

-14934000

-26783000

14934000

-14934000

11849000

-159821000

-4877000

159821000

-159821000

-154944000

2541000

12036000

-2541000

2541000

-9495000

268000

-537000

-10268000

-6462000

1002274000

1003482000

-1208000

735252000

735491000

-239000

275342000

268148000

70549000

62903000

6457000

1189000

24662000

21678000

2587000

397000

69352000

63625000

5275000

452000

23543000

21382000

2011000

150000

76666000

47590000

18771000

10305000

56012000

46132000

5923000

3957000

59737000

30297000

15760000

13680000

39476000

30062000

4948000

4466000

69313000

55266000

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Cost Basis </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Fair Value </td></tr> <tr><td valign="top"> Maturing in:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Less than one year </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,004 </td></tr> <tr><td valign="top"> Two to five years </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,204 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,502 </td></tr> <tr><td valign="top"> Six to ten years </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,056 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,206 </td></tr> <tr><td valign="top"> Beyond </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 303,519 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 306,475 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 310,780 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 314,187 </td></tr></table> </div>

21000

19927000

8740000

21000

19927000

8740000

306475000

7712000

306475000

7712000

3839879000

4046340000

5289453000

1682240000

-2699605000

2713256000

3593562000

4852789000

2535865000

-1695017000

1703632000

2308309000

2337980000

3243416000

241562000

25000000

July 31, 2013

1700000000

259200000

28000000

41500000

93535000

87876000

92087000

89949000

458718000

6847000

21913000

4848000

2045000

4866000

14398000

410648000

4813000

2034000

572974000

162321000

106328000

304325000

516509000

192387000

309641000

235502000

28413000

43103000

209491000

171150000

84443000

129745000

192387000

194377000

37299000

161886000

164622000

351887000

260916000

324122000

7683000

206868000

140179000

19999000

12416000

19793000

192387000

69963000

122424000

161801000

147840000

8423000

28876000

20639000

141247000

95323000

8414000

30687000

189698000

129745000

194377000

94659000

229463000

1524000

6159000

30586000

176282000

46800000

41400000

485008000

430189000

<div> 3. Receivables Short-term receivables of our continuing operations consist of the following: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 44%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">April 30, 2011 </td></tr> <tr><td valign="top"> Emerald Advance lines of credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 443,717 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 674,317 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,645 </td></tr> <tr><td valign="top"> Receivables for tax preparation and related fees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 333,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 280,364 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 38,930 </td></tr> <tr><td valign="top"> Royalties from franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 88,597 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 84,049 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,645 </td></tr> <tr><td valign="top"> Loans to franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 81,415 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 85,269 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 62,181 </td></tr> <tr><td valign="top"> Receivable from M&P </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 32,342 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> RAC fees receivable </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,942 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 51,704 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Tax client receivables related to RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,727 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,874 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,412 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 89,665 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 95,732 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 131,302 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,100,041 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,276,309 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 278,115 </td></tr> <tr><td valign="top"> Allowance for doubtful accounts </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (64,139 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (102,837 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (47,943 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,035,902 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,173,472 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 230,172 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> As discussed in note 1, we have a short-term receivable for $32.3 million and a long-term note receivable in the amount of $54.0 million due from M&P related to the sale of RSM. The short-term receivable note is based on the final post-closing adjustments to the purchase price we expect to receive. The long-term note is unsecured and bears interest at a rate of 8.0%, with all principal and accrued interest due in May 2017. As of January 31, 2012, there is no allowance recorded related to the short-term receivable or the long-term note, however we will monitor publicly available information relevant to the financial condition of M&P to assess future collectability. The long-term note is included in other assets in our condensed consolidated balance sheet. The short-term portion of Emerald Advance lines of credit (EAs), tax client receivables related to refund anticipation loans (RALs) and loans made to franchisees is included in receivables, while the long-term portion is included in other assets in the condensed consolidated financial statements. These amounts are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 41%;"> </td> <td style="width: 72pt;"> </td> <td style="width: 79pt;"> </td> <td style="width: 60pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Emerald Advance Lines of  Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Tax Client Receivables - RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Loans to Franchisees </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 443,717 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,727 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 81,415 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,120 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 134,136 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 458,718 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,847 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 215,551 </td></tr> <tr><td valign="top"> As of January 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 674,317 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,874 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 85,269 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,608 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,856 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 131,340 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 687,925 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 10,730 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 216,609 </td></tr> <tr><td valign="top"> As of April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,412 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62,181 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,619 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,855 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 110,420 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 53,264 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,267 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 172,601 </td></tr></table>   We review the credit quality of our EA receivables and tax client receivables related to RALs based on pools, which are segregated by the year of origination, with older years being deemed more unlikely to be repaid. These amounts as of January 31, 2012, by year of origination, are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 46%;"> </td> <td style="width: 72pt;"> </td> <td style="width: 79pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Emerald Advance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Tax Client</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Lines of Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Receivables - RALs </td></tr> <tr><td valign="top"> Credit Quality Indicator – Year of origination:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 410,648 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td></tr> <tr><td valign="top"> 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> 2010 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,848 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> 2009 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,866 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,034 </td></tr> <tr><td valign="top"> 2008 and prior </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,045 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,813 </td></tr> <tr><td valign="top"> Revolving loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,398 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 458,718 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,847 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> As of January 31, 2012 and April 30, 2011, $41.4 million and $46.8 million, respectively, of EAs were on non-accrual status and classified as impaired, or more than 60 days past due. All tax client receivables related to RALs are considered impaired. Loans made to franchisees totaled $215.6 million at January 31, 2012, and consisted of $150.4 million in term loans made to finance the purchase of franchises and $65.2 million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs. Activity in the allowance for doubtful accounts for the nine months ended January 31, 2012 and 2011 is as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 67pt;"> </td> <td style="width: 74pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 45pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Emerald Advance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Tax Client</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Loans</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">All</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Lines of Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Receivables - RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">to Franchisees </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total </td></tr> <tr><td valign="top"> Balance as of April 30, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,400 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —    </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,543 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 47,943 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 33,570 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 50,632 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (34,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (34,436 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,970 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —    </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,169 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 64,139 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of April 30, 2010 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35,239 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 12,191 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,723 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 91,157 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 71,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22,961 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 94,288 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,919 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (12,193 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (37,492 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (82,608 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance as of January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 73,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 29,192 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 102,837 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> There were no changes to our methodology related to the calculation of our allowance for doubtful accounts during the nine months ended January 31, 2012. </div>

-239146000

-219134000

-333828000

-297375000

1039788000

1040084000

1040237000

1039527000

409241000

-551000

-557000

-630996000

1078152000

1039237000

1039527000

409241000

188200000

138415000

49785000

154986000

130763000

24223000

126260000

142923000

70600000

89000000

-25562000

49800000

20000000

142900000

61000000

35000000

650000000

500000000

29252000

21841000

19532000

15927000

<div> <div class="MetaData"> 4. Mortgage Loans Held for Investment and Related Assets The composition of our mortgage loan portfolio as of January 31, 2012 and April 30, 2011 is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 51%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 49pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 49pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="66%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Total </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Total </td></tr> <tr><td valign="top"> Adjustable-rate loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 297,375 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 58 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 333,828 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 58 %</td></tr> <tr><td valign="top"> Fixed-rate loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 219,134 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 42 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 239,146 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 42 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 572,974 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 100 %</td></tr> <tr><td valign="top"> Unamortized deferred fees and costs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,629 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,121 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Less: Allowance for loan losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (89,949 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (92,087 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 430,189 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 485,008 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Our loan loss allowance as a percent of mortgage loans was 17.4% at January 31, 2012, compared to 16.1% at April 30, 2011. Activity in the allowance for loan losses for the nine months ended January 31, 2012 and 2011 is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 56%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 50pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Balance, beginning of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 92,087 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 93,535 </td></tr> <tr><td valign="top"> Provision </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17,275 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,100 </td></tr> <tr><td valign="top"> Recoveries </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 160 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 169 </td></tr> <tr><td valign="top"> Charge-offs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (19,573 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,928 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,876 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> When determining our allowance for loan losses, we evaluate loans less than 60 days past due on a pooled basis, while loans we consider impaired, including those loans more than 60 days past due or modified as troubled debt restructurings (TDRs), are evaluated individually. The balance of these loans and the related allowance is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 33%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="46%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td></tr> <tr><td valign="top"> Pooled (less than 60 days past due) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 260,916 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 9,467 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 304,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 11,238 </td></tr> <tr><td valign="top"> Impaired:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Individually (TDRs) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 84,443 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 106,328 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,056 </td></tr> <tr><td valign="top"> Individually (60 days or more past due) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 171,150 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 71,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 162,321 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 69,793 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 572,974 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 92,087 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Our portfolio includes loans originated by Sand Canyon Corporation, previously known as Option One Mortgage Corporation, and its subsidiaries (SCC) and purchased by H&R Block Bank (HRB Bank), which constitute 63% of the total loan portfolio at January 31, 2012. We have experienced higher rates of delinquency and believe that we have greater exposure to loss with respect to this segment of our loan portfolio. Our remaining loan portfolio totaled $192.4 million and is characteristic of a prime loan portfolio, and we believe therefore subject to a lower loss exposure. Detail of our mortgage loans held for investment and the related allowance at January 31, 2012 is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 42%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 61pt;"> </td> <td style="width: 67pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Outstanding</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Loan Loss Allowance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% 30+ Days</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Principal Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">% of Principal </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Past Due </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 77,373 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23.9 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47.1 %</td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,576 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.4 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 89,949 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 17.4 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 34.2 %</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Credit quality indicators at January 31, 2012 include the following: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 52%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> Credit Quality Indicators</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">All Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total Portfolio </td></tr> <tr><td valign="top"> Occupancy status:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Owner occupied </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 229,463 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 122,424 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 351,887 </td></tr> <tr><td valign="top"> Non-owner occupied </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 94,659 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 69,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 164,622 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Documentation level:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Full documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 95,323 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 140,179 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 235,502 </td></tr> <tr><td valign="top"> Limited documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,414 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,999 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 28,413 </td></tr> <tr><td valign="top"> Stated income </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 189,698 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,793 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 209,491 </td></tr> <tr><td valign="top"> No documentation </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 30,687 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,416 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 43,103 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Internal risk rating:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> High </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 129,745 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 129,745 </td></tr> <tr><td valign="top"> Medium </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 194,377 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 194,377 </td></tr> <tr><td valign="top"> Low </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 192,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   Loans given our internal risk rating of "high" were generally originated by SCC, have no documentation or are stated income and are non-owner occupied. Loans given our internal risk rating of "medium" were generally full documentation or stated income, with loan-to-value at origination of more than 80% and have credit scores at origination below 700. Loans given our internal risk rating of "low" were generally full documentation, with loan-to-value at origination of less than 80% and have credit scores greater than 700. 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 52% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California and New York. Detail of the aging of the mortgage loans in our portfolio that are past due as of January 31, 2012 is as follows: <div class="MetaData"> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 40%;"> </td> <td style="width: 57pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Less than 60 Days Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">60 –89 Days Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">90+ Days Past Due(1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total Past Due </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Current </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Total </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 28,876 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,159 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 141,247 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 176,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 147,840 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 324,122 </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,524 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,639 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 30,586 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 161,801 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 192,387 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 37,299 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 7,683 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 161,886 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 206,868 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 309,641 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 516,509 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>  (1) We do not accrue interest on loans past due 90 days or more. </div> Information related to our non-accrual loans is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 142,853 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 143,358 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,283 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,106 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 166,136 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 157,464 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> TDRs:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,729 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,849 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,282 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 329 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,178 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total non-accrual loans </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 173,147 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 160,642 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Information related to impaired loans is as follows: <div class="MetaData"> <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 33%;"> </td> <td style="width: 71pt;"> </td> <td style="width: 79pt;"> </td> <td style="width: 71pt;"> </td> <td style="width: 76pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Total</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">With Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">With No Allowance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Portfolio Balance </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Related Allowance </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 179,776 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 40,672 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 220,448 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,084 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25,390 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,755 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,145 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,398 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 205,166 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,427 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 255,593 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,482 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> As of April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 180,387 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 51,674 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 232,061 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,733 </td></tr> <tr><td valign="top"> Other (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 29,027 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,561 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 36,588 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,116 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 209,414 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 59,235 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 268,649 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,849 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table>   (1) Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. </div></div>   Information related to the allowance for impaired loans is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="70%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Portion of total allowance for loan losses allocated to impaired loans and TDR loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Based on collateral value method </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 71,471 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 69,794 </td></tr> <tr><td valign="top"> Based on discounted cash flow method </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 11,055 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,482 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 80,849 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Information related to activities of our non-performing assets is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 55%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Average impaired loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 224,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 35,421 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 259,423 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 308,282 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest income on impaired loans:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,340 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 348 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,688 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,975 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest income on impaired loans recognized on a cash basis on non-accrual status:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Purchased from SCC </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,182 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> All other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 324 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,506 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,711 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> Our real estate owned (REO) includes loans accounted for as in-substance foreclosures of $5.7 million and $7.7 million at January 31, 2012 and April 30, 2011, respectively. Activity related to our REO is as follows: <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 56%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 50pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Balance, beginning of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 29,252 </td></tr> <tr><td valign="top"> Additions </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,521 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,931 </td></tr> <tr><td valign="top"> Sales </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,933 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,900 )</td></tr> <tr><td valign="top"> Writedowns </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,193 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,442 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,841 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table></div> </div>

16900000

7933000

12931000

6521000

3442000

2193000

1198876000

1319315000

466665000

-424847000

-162257000

603827000

1028242000

322490000

-330922000

-415983000

-36143000

-6450000

-467873000

467873000

-29693000

323530000

-130670000

-322729000

322729000

454200000

-1505418000

-725197000

-43026000

-737195000

-1382771000

-448362000

8193000

-942602000

-252451000

-68549000

252451000

-252451000

-183902000

-12721000

-36846000

12721000

-12721000

24125000

-320171000

-95586000

320171000

-320171000

-224585000

-3349000

-48496000

3349000

-3349000

45147000

-250428000

-11182000

-245887000

-3543000

9079000

4751000

416635000

-416635000

4328000

1959000

-521000

25968000

-25968000

2480000

9185000

7647000

405556000

-405556000

1538000

2670000

1301000

1026000

-1026000

1369000

1276309000

674317000

85269000

95732000

280364000

51704000

84049000

4874000

278115000

31645000

62181000

131302000

38930000

11645000

2412000

1100041000

443717000

81415000

89665000

32342000

333636000

28942000

88597000

1727000

674317000

85269000

4874000

31645000

62181000

2412000

443717000

81415000

1727000

13608000

131340000

5856000

21619000

110420000

5855000

15001000

134136000

5120000

687925000

216609000

10730000

53264000

172601000

8267000

458718000

215551000

6847000

150400000

65200000

-425714000

-102961000

-322753000

-27927000

-54825000

26898000

-414741000

-71712000

-343029000

-3696000

-22066000

18370000

1238193000

469461000

13613000

755119000

1430097000

535743000

8841000

885513000

900328000

627731000

628253000

5477000

4101000

-5413000

3341000

-125000

-844000

93000

-176000

-602000

58000

-118000

-198000

1682000

-291000

-75000

-122000

1113000

-199000

118731000

54527000

127551000

60491000

<div> 10. Interest Income and Expense The following table shows the components of interest income and expense of our continuing operations:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 54%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Interest income:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Emerald Advance lines of credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 30,062 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 46,132 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 30,297 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 47,590 </td></tr> <tr><td valign="top"> Mortgage loans, net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,948 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,923 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,760 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 18,771 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,466 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 3,957 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,680 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10,305 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 39,476 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 56,012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 59,737 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 76,666 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Interest expense:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Borrowings </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,382 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,678 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 63,625 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62,903 </td></tr> <tr><td valign="top"> Deposits </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 2,587 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,275 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,457 </td></tr> <tr><td valign="top"> FHLB advances </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 150 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 397 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 452 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,189 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 23,543 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 24,662 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 69,352 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 70,549 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

1681013000

-26769000

178000

1707604000

1162168000

-108361000

246000

1270283000

462372000

393683000

40913000

41119000

41002000

127786000

110370000

116117000

99564000

1900000

1500000

-45316000

-35460000

-38651000

-28612000

-10039000

-55794000

-47230000

-8564000

140926000

150058000

178014000

50832000

16022000

51198000

71549000

152000

71397000

169548000

91157000

43723000

35239000

4000

12191000

102837000

29192000

73645000

47943000

43543000

4400000

64139000

26169000

37970000

94288000

22961000

71325000

2000

50632000

17062000

33570000

-82608000

-37492000

-32919000

-4000

-12193000

-34436000

191360000

230612000

41000000

62298000

533055000

-10062000

-365000

439000

-10136000

-31424000

57000

26000

-31507000

3286603000

644168000

3286603000

-866000

-324000

255298000

260755000

-24100000

-17275000

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Revenues:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Tax Services </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 655,701 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 672,810 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 868,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 875,376 </td></tr> <tr><td valign="top"> Corporate </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,579 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,486 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,953 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,345 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 663,280 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 680,296 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 893,097 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 899,721 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax income (loss):</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Tax Services </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,716 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,114 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (311,733 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (324,865 )</td></tr> <tr><td valign="top"> Corporate </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,742 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (30,082 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (93,823 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (91,770 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before income tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (416,635 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

<div> <div class="MetaData"> 11. Regulatory Requirements HRB Bank historically filed its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of Thrift Supervision (OTS). In July 2011, as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Reform Act), the responsibility and authority of the OTS moved to the Office of the Comptroller of the Currency (OCC). HRB Bank filed its TFRs with the OCC through December 31, 2011. Beginning March 31, 2012, HRB Bank will file Reports of Condition and Income (Call Report) with the OCC quarterly. Additionally, H&R Block, Inc. as the bank holding company is now regulated by the Federal Reserve Bank and, as such, is subject to certain reporting requirements. The following table sets forth HRB Bank's regulatory capital requirements, as calculated in its TFR: <div class="MetaData">   <div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 48%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 27pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 30pt;"> </td> <td style="width: 42pt;"> </td> <td style="width: 62pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">(dollars in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">To Be Well Capitalized</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">For Capital Adequacy</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Under Prompt Corrective</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Actual </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Purposes </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Action Provisions </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Ratio </td></tr> <tr><td valign="top"> As of December 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total risk-based capital ratio (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 411,163 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 48.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 67,407 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 84,258 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10.0 %</td></tr> <tr><td valign="top"> Tier 1 risk-based capital ratio (2) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 47.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,555 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.0 %</td></tr> <tr><td valign="top"> Tier 1 capital ratio (leverage) (3) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25.6 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 187,642 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 78,184 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5.0 %</td></tr> <tr><td valign="top"> Tangible equity ratio (4) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 400,438 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 25.6 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 23,455 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td></tr> <tr><td valign="top"> As of March 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total risk-based capital ratio (1) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 405,000 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 92.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 35,019 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 8.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 43,773 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 10.0 %</td></tr> <tr><td valign="top"> Tier 1 risk-based capital ratio (2) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 91.2 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,264 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6.0 %</td></tr> <tr><td valign="top"> Tier 1 capital ratio (leverage) (3) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 209,758 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12.0 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,399 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5.0 %</td></tr> <tr><td valign="top"> Tangible equity ratio (4) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 399,187 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 22.8 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 26,220 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1.5 %</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> N/A </td></tr></table>   (1) Total risk-based capital divided by risk-weighted assets. (2) Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets. (3) Tier 1 (core) capital divided by adjusted total assets. (4) Tangible capital divided by tangible assets. </div></div> 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 $200.0 million during the nine months ended January 31, 2012, with an additional $200.0 million contributed in February 2012. As of January 31, 2012, HRB Bank's leverage ratio was 27.1%.</div> </div>

24173000

1263504000

-1287677000

68684000

896937000

-965621000

2654653000

413221000

2654653000

48383000

9522000

38861000

34168000

2254000

31914000

2658103000

2018252000

899721000

112423000

787298000

680296000

74103000

606193000

893097000

104937000

-161000

788321000

663280000

65604000

-161000

597837000

327734000

206970000

316139000

207480000

695269000

513914000

717243000

524240000

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 41%;"> </td> <td style="width: 72pt;"> </td> <td style="width: 79pt;"> </td> <td style="width: 60pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Emerald Advance Lines of  Credit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Tax Client Receivables - RALs </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center">Loans to Franchisees </td></tr> <tr><td valign="top"> As of January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 443,717 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,727 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 81,415 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,001 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,120 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 134,136 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 458,718 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 6,847 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 215,551 </td></tr> <tr><td valign="top"> As of January 31, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 674,317 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,874 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 85,269 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 13,608 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,856 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 131,340 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 687,925 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 10,730 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 216,609 </td></tr> <tr><td valign="top"> As of April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Short-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,645 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 2,412 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 62,181 </td></tr> <tr><td valign="top"> Long-term </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 21,619 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 5,855 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 110,420 </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 53,264 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,267 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 172,601 </td></tr></table> </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"> <tr><td style="width: 44%;"> </td> <td style="width: 69pt;"> </td> <td style="width: 69pt;"> </td> <td style="width: 61pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="60%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">January 31, 2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">April 30, 2011 </td></tr> <tr><td valign="top"> Commercial paper </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 230,947 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 632,566 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ —   </td></tr> <tr><td height="8"> </td> <td height="8"> </td> <td height="8"> </td> <td height="8"> </td></tr> <tr><td valign="top"> Senior Notes, 7.875%, due January 2013 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,871 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,758 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 599,788 </td></tr> <tr><td valign="top"> Senior Notes, 5.125%, due October 2014 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,364 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,117 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 399,177 </td></tr> <tr><td valign="top"> Other </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,002 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 40,913 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 41,119 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Total long-term debt </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,039,788 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,040,084 </td></tr> <tr><td valign="top"> Less: Current portion </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (630,996 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (551 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (557 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 409,241 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,039,237 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,039,527 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

<div> 13. Discontinued Operations As of January 31, 2012, the results of operations and the related losses on the sale of RSM and MCM businesses are presented as discontinued operations in the condensed consolidated financial statements. Our discontinued operations also include the results of operations of SCC, which exited its mortgage business in fiscal year 2008. In connection with the sale of RSM and MCM, we indemnified the buyers against certain litigation matters. The indemnities are not subject to a stated term or limit. Accounting Standards Codification 460 – Guarantees (ASC 460) requires that we recognize a liability for the estimated fair value of guarantee and indemnification obligations at the inception of the arrangement. We have estimated an aggregate fair value of $6.0 million related to these indemnifications and recorded a liability in that amount as of the date of the sales. Subsequent changes in this liability will be determined in accordance with ASC 460 and ASC 450 – Loss Contingencies and recorded in discontinued operations. The results of operations of our discontinued operations are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 50%;"> </td> <td style="width: 50pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 52pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"> (in 000s)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011</td></tr> <tr><td valign="top"> Revenues </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 50,508 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 171,071 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 416,436 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 549,180 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax income (loss) from operations:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> RSM and related businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 1,117 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 8,327 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 18,831 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15,228 </td></tr> <tr><td valign="top"> Mortgage </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (27,385 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,551 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (54,019 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (17,125 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (26,268 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,224 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (35,188 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,897 )</td></tr> <tr><td valign="top"> Income taxes (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (6,462 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (537 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,268 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 268 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (19,806 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (24,920 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax loss on sales of businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (236 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (109,485 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr><td valign="top"> Income tax benefit </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (20,260 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (59,969 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net gain (loss) on sales of businesses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 20,024 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (49,519 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net income (loss) from discontinued operations </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 218 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,687 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (74,436 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (2,165 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> The sale of RSM resulted in a pretax financial statement loss, but produced a gain for tax purposes. The tax gain resulted primarily from larger amortization deductions taken for tax purposes than for financial statement purposes. A portion of the gain from the sale of intangible assets is capital in nature and can be offset by utilization of capital loss carry forwards. A net income tax benefit of $20.5 million was recorded in discontinued operations related to the sale. </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td style="width: 49%;"> </td> <td style="width: 52pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 55pt;"> </td> <td style="width: 55pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"> (in 000s, except per share  amounts) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"> 2011 </td></tr> <tr><td valign="top"> Net loss from continuing operations attributable to shareholders </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,567 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (11,034 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (245,735 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (250,286 )</td></tr> <tr><td valign="top"> Amounts allocated to participating securities (nonvested shares)</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (148 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (152 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (142 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Net loss from continuing operations attributable to common shareholders </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (3,543 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (11,182 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (245,887 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (250,428 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Basic weighted average common shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 292,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 305,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 299,450 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 310,546 </td></tr> <tr><td valign="top"> Potential dilutive shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> —   </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Dilutive weighted average common shares </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 292,963 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 305,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 299,450 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 310,546 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss per share from continuing operations:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Basic </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.01 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.04 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.82 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (0.80 )</td></tr> <tr><td valign="top"> Diluted </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.01 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.04 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.82 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (0.80 )</td></tr></table> </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td style="width: 40%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 50pt;"> </td> <td style="width: 47pt;"> </td> <td style="width: 52pt;"> </td> <td style="width: 47pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"> (in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">January 31, 2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center">April 30, 2011 </td></tr> <tr><td valign="bottom" width="54%" nowrap="nowrap"> As of</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Accumulated Amortization </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Net </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Gross Carrying Amount </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Accumulated Amortization </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Net </td></tr> <tr><td valign="top"> Tax Services:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Customer relationships </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 90,355 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (44,805 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 45,550 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 87,624 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (41,076 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 46,548 </td></tr> <tr><td valign="top"> Noncompete agreements </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,725 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,628 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,097 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 23,456 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (22,059 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,397 </td></tr> <tr><td valign="top"> Reacquired franchise rights </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 214,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (13,052 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 201,278 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 214,330 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (9,961 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 204,369 </td></tr> <tr><td valign="top"> Franchise agreements </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,201 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,053 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 15,148 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 19,201 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,093 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 16,108 </td></tr> <tr><td valign="top"> Purchased technology </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,700 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (10,200 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 4,500 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 14,700 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (8,505 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,195 </td></tr> <tr><td valign="top"> Trade name </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (750 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 575 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 1,325 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (600 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 725 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 363,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (95,488 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $  268,148 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 360,636 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (85,294 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 275,342 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"> <tr><td style="width: 57%;"> </td> <td style="width: 56pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">Tax Services </td></tr> <tr><td valign="top"> Balance at April 30, 2011:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Goodwill </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 459,039 </td></tr> <tr><td valign="top"> Accumulated impairment losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (24,888 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 434,151 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Changes:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Acquisitions </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 9,506 </td></tr> <tr><td valign="top"> Disposals and foreign currency changes </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (5,805 )</td></tr> <tr><td valign="top"> Impairments </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (4,257 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance at January 31, 2012:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Goodwill </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 462,740 </td></tr> <tr><td valign="top"> Accumulated impairment losses </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (29,145 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 433,595 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

<div> 14. Litigation and Related Contingencies We are a defendant in a large number of litigation matters, arising both in the ordinary course of business and otherwise, including as described below. The matters described below are not all of the lawsuits to which we are subject. In some of the matters, very large and/or indeterminate amounts, including punitive damages, are sought. U.S. jurisdictions permit considerable variation in the assertion of monetary damages or other relief. Jurisdictions may permit claimants not to specify the monetary damages sought or may permit claimants to state only that the amount sought is sufficient to invoke the jurisdiction of the trial court. In addition, jurisdictions may permit plaintiffs to allege monetary damages in amounts well exceeding reasonably possible verdicts in the jurisdiction for similar matters. We believe that the monetary relief which may be specified in a lawsuit or claim bears little relevance to its merits or disposition value due to this variability in pleadings and our experience in litigating or resolving through settlement numerous claims over an extended period of time. The outcome of a litigation matter and the amount or range of potential loss at particular points in time may be difficult to ascertain. Among other things, uncertainties can include how fact finders will evaluate documentary evidence and the credibility and effectiveness of witness testimony, and how trial and appellate courts will apply the law. Disposition valuations are also subject to the uncertainty of how opposing parties and their counsel will themselves view the relevant evidence and applicable law. In addition to litigation matters, we are also subject to other claims and regulatory investigations arising out of our business activities, including as described below. We establish liabilities for litigation and regulatory loss contingencies when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. Liabilities have been established for a number of the matters noted below. For such matters where a loss is believed to be reasonably possible, but not probable, no accrual has been made. It is possible that litigation and regulatory matters could require us to pay damages or make other expenditures or establish accruals in amounts that could not be reasonably estimated at January 31, 2012. While the potential future charges could be material in the particular quarterly or annual periods in which they are recorded, based on information currently known, we do not believe any such charges are likely to have a material adverse effect on our consolidated financial position, results of operations and cash flows. As of January 31, 2012, we have accrued $89.0 million, including obligations under certain indemnifications, compared to $70.6 million at April 30, 2011. Matters as to Which an Estimate Can Be Made For some matters, we are able to estimate a reasonably possible range of loss. For those matters, as of January 31, 2012, we estimate the aggregate range of reasonably possible losses in excess of amounts accrued to be approximately $0 to $61 million. Matters as to Which an Estimate Cannot Be Made For other matters, we are not currently able to estimate the reasonably possible loss or range of loss. We are often unable to estimate the possible loss or range of loss until developments in such matters have provided sufficient information to support an assessment of the range of possible loss, such as quantification of a damage demand from plaintiffs, discovery from other parties and investigation of factual allegations, rulings by the court on motions or appeals, analysis by experts, and the progress of settlement negotiations. On a quarterly and annual basis, we review relevant information with respect to litigation contingencies and update our accruals, disclosures and estimates of reasonably possible losses or ranges of loss based on such reviews. Litigation and Other Claims Pertaining to Discontinued Mortgage Operations Although SCC's mortgage loan origination activities ceased in December 2007 and SCC's loan servicing business was sold in April 2008, SCC and HRB have been, remain and may in the future be subject to investigations, claims and lawsuits pertaining to SCC's mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state and federal regulators, third party indemnitees, 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, fraud and other common law torts, rights to indemnification, and violations of securities laws, the Truth in Lending Act (TILA), Equal Credit Opportunity Act and the Fair Housing Act. Given the non-prime mortgage environment, the number of these investigations, claims and lawsuits has increased over time and is expected to continue to increase further. The amounts claimed in these investigations, claims and lawsuits are substantial in some instances, and the ultimate resulting liability is difficult to predict and thus in many cases cannot be reasonably estimated. In the event of unfavorable outcomes, the amounts that may be required to be paid in the discharge of liabilities or settlements could be substantial and could have a material impact on our consolidated financial position, results of operations and cash flows. Certain of these matters are described in more detail below. On February 1, 2008, a class action lawsuit was filed in the United States District Court for the District of Massachusetts against SCC and other related entities styled Cecil Barrett, et al. v. Option One Mortgage Corp., et al. (Civil Action No. 08-10157-RWZ). Plaintiffs allege discriminatory practices relating to the origination of mortgage loans in violation of the Fair Housing Act and Equal Credit Opportunity Act, and seek declaratory and injunctive relief in addition to actual and punitive damages. The court dismissed H&R Block, Inc. from the lawsuit for lack of personal jurisdiction. In March 2011, the court issued an order certifying a class, which defendants sought to appeal. On August 24, 2011, the First Circuit Court of Appeals declined to hear the appeal, noting that the district court could reconsider its certification decision in light of a recent ruling by the United States Supreme Court in an unrelated matter. SCC has filed a motion to decertify the class, which remains pending. A portion of our loss contingency accrual is related to this lawsuit for the amount of loss that we consider probable and estimable. We believe SCC has meritorious defenses to the claims in this case and it intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. On December 9, 2009, a putative class action lawsuit was filed in the United States District Court for the Central District of California against SCC and H&R Block, Inc. styled Jeanne Drake, et al. v. Option One Mortgage Corp., et al. (Case No. SACV09-1450 CJC). Plaintiffs allege breach of contract, promissory fraud, intentional interference with contractual relations, wrongful withholding of wages and unfair business practices in connection with the failure to pay severance benefits to employees when their employment transitioned to American Home Mortgage Servicing, Inc. in connection with the sale of certain assets and operations of Option One. Plaintiffs seek to recover severance benefits of approximately $8 million, interest and attorney's fees, in addition to penalties and punitive damages on certain claims. On September 2, 2011, the court granted summary judgment in favor of the defendants on all claims. Plaintiffs have filed an appeal, which remains pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. On October 15, 2010, the Federal Home Loan Bank of Chicago filed a lawsuit in the Circuit Court of Cook County, Illinois (Case No. 10CH45033) styled Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al. against multiple defendants, including various SCC-related entities, H&R Block, Inc. and other entities, arising out of FHLB's purchase of mortgage-backed securities. The plaintiff seeks rescission and damages under state securities law and for common law negligent misrepresentation in connection with its purchase of two securities originated and securitized by SCC. These two securities had a total initial principal amount of approximately $50 million, of which approximately $41 million remains outstanding. The plaintiff agreed to voluntarily dismiss H&R Block, Inc. from the suit. The remaining defendants, including SCC, have filed motions to dismiss, which are pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe SCC has meritorious defenses to the claims in this case and intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. SCC has been working with the staff of the U.S. Securities and Exchange Commission in connection with the staff's investigation of matters related to eighteen RMBS transactions of SCC. Based on the progress of the investigation, the scope of which has continued to narrow in focus, SCC has offered to resolve the matter with the payment of approximately $28 million. As a result, SCC has established a liability as of January 31, 2012, which is included in our loss contingency accrual. Although we believe that this matter can be resolved on satisfactory terms, any resolution of this matter would require approval by the U.S. Securities and Exchange Commission and of the U.S District Court, neither of which has been obtained, and which we cannot provide assurance will be obtained on satisfactory terms or at all. SCC or its subsidiaries entered into indemnification agreements with certain third parties that sold or underwrote the sale of securities. Some of those third parties are defendants in lawsuits where various other parties are seeking damages and other remedies based on the activities of such third parties in the sale of RMBS, including in some instances, SCC securitizations. SCC has received notices from some of these third parties for indemnification against losses, including defense costs, that those third parties might incur as a result of these lawsuits. We have not concluded that a loss related to any of these matters is probable nor have we established a loss contingency related to any of these matters. Employment-Related Claims and Litigation We have been named in several wage and hour class action lawsuits throughout the country, including Alice Williams v. H&R Block Enterprises LLC, Case No. RG08366506 (Superior Court of California, County of Alameda, filed January 17, 2008) (alleging improper classification and failure to compensate for all hours worked and to provide meal periods to office managers in California); Arabella Lemus, et al. v. H&R Block Enterprises LLC, et al., Case No. CGC-09-489251 (United States District Court, Northern District of California, filed June 9, 2009) (alleging failure to timely pay compensation to tax professionals in California); Delana Ugas, et al. v. H&R Block Enterprises LLC, et al., Case No. BC417700 (United States District Court, Central District of California, filed July 13, 2009) (alleging failure to compensate tax professionals in California for all hours worked and to provide meal periods); and Barbara Petroski, et al. v. H&R Block Eastern Enterprises, Inc., et al., Case No. 10-CV-00075 (United States District Court, Western District of Missouri, filed January 25, 2010) (alleging failure to compensate tax professionals nationwide for off-season training).   A class was certified in the Lemus case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010); in the Williams case in March 2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011); and in the Ugas case in August 2011 (consisting of tax professionals who worked in company-owned offices in California from 2006 to 2011). In Petroski, a conditional class was certified under the Fair Labor Standards Act in March 2011 (consisting of tax professionals nationwide who worked in company-owned offices and who were not compensated for certain training courses occurring on or after April 15, 2007). Two classes were also certified under state laws in California and New York (consisting of tax professionals who worked in company-owned offices in those states). A trial date has been set in the Williams case for April 30, 2012. The plaintiffs in the wage and hour class action lawsuits seek actual damages, pre-judgment interest and attorneys' fees, in addition to statutory penalties under state and federal law, which could equal up to 30 days of wages per tax season for class members who worked in California. A portion of our loss contingency accrual is related to these lawsuits for the amount of loss that we consider probable and estimable. The amounts claimed in these matters are substantial in some instances and the ultimate liability with respect to these matters is difficult to predict. We believe we have meritorious defenses to the claims in these cases and intend to defend the cases vigorously, but there can be no assurances as to the outcome of these cases or their impact on our consolidated financial position, results of operations and cash flows, individually or in the aggregate. To avoid the cost and inherent risk associated with litigation, we reached an agreement to settle the Lemus case in January 2012, subject to approval by the federal court in California in which the case is pending. This settlement would require a maximum payment of $35 million, although the actual cost of the settlement would depend on the number of valid claims submitted by class members. The federal court granted preliminary approval of the settlement on February 10, 2012. A final approval hearing is scheduled to occur on May 10, 2012. We have recorded a liability for our estimate of the expected loss. If for any reason the settlement is not approved, we will continue to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. RAL and RAC Litigation We have been named in a putative class action styled Sandra J. Basile, et al. v. H&R Block, Inc., et al., 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 allege inadequate disclosures with respect to the RAL product and assert claims for violation of consumer protection statutes, negligent misrepresentation, breach of fiduciary duty, common law fraud, usury, and violation of the TILA. 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. An appellate court subsequently reversed the decertification decision. We are appealing the reversal. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to this case and intend to defend the case vigorously, but there can be no assurances as to the outcome of this case or its impact on our consolidated financial position, results of operations and cash flows. A series of class action lawsuits were filed against us in various federal courts beginning on November 17, 2011 concerning the RAL and RAC products, styled Anthony Johnson v. H&R Block, Inc., et. al. (Case No. 2:11-cv-09577) (C.D. Cal.); Norma Molina-Servin v. H&R Block, Inc., et. al. (Case No. 1:11-cv-08244) (N.D. Ill.); William Wimbley v. H&R Block, Inc., et. al. (Case No. 1:11-cv-24159) (S.D. Fla.); Sandy Morton v. H&R Block, Inc., et. al. (Case No. 4:11-cv-00859) (E.D. Ark.); Iris Orta v. H&R Block, Inc., et. al. (Case No. 2:11-cv-01149) (E.D. Wis.); Maggie Murchio v. H&R Block, Inc., et. al. (Case No.1:12-cv-00063) (W.D. Md.); and Catherine Gaddy v. H&R Block, Inc., et. al. (Case No. 1:12-cv-00052) (M.D. N.C). The plaintiffs generally allege we engaged in unfair, deceptive and/or fraudulent acts in violation of various state consumer protection laws by facilitating RALs that were accompanied by allegedly inaccurate TILA disclosures, and by offering RACs without any TILA disclosures. Certain plaintiffs also allege violation of disclosure requirements of various state statutes expressly governing RALs and provisions of those statutes prohibiting tax preparers from charging or retaining certain fees. Collectively, the plaintiffs seek to represent clients who purchased RAL or RAC products in up to forty-two states and the District of Columbia during timeframes ranging from 2007 to the present. The plaintiffs seek equitable relief, disgorgement of profits, compensatory and statutory damages, restitution, civil penalties, attorneys' fees and costs. The plaintiffs filed a motion with the Judicial Panel on Multidistrict Litigation on December 9, 2011 to consolidate the cases before a single court for pretrial proceedings (In Re Refund Anticipation Loan Litigation, MDL No. 2334). This motion remains pending. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to the claims in these cases, and we intend to defend the cases vigorously, but there can be no assurances as to the outcome or the impact on our consolidated financial position, results of operations and cash flows. Express IRA Litigation We have one remaining lawsuit regarding our former Express IRA product. That case was filed on January 2, 2008 by the Mississippi Attorney General in the Chancery Court of Hinds County, Mississippi First Judicial District (Case No. G 2008 6 S 2) and is styled Jim Hood, Attorney for the State of Mississippi v. H&R Block, Inc., H&R Block Financial Advisors, Inc., et al. The complaint alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the sale of the product in Mississippi and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. Although we sold H&R Block Financial Advisors, Inc. (HRBFA) effective November 1, 2008, we remain responsible for any liabilities relating to the Express IRA litigation, among other things, through an indemnification agreement. A portion of our accrual is related to these indemnity obligations. Litigation and Claims Pertaining to the Discontinued Operations of RSM McGladrey On April 17, 2009, a shareholder derivative complaint was filed by Brian Menezes, derivatively and on behalf of nominal defendant International Textile Group, Inc. against McGladrey Capital Markets, LLC (MCM) in the Court of Common Pleas, Greenville County, South Carolina (C.A. No. 2009-CP-23-3346) styled Brian P. Menezes, Derivatively on Behalf of Nominal Defendant, International Textile Group, Inc. (f/k/a Safety Components International, Inc.) v. McGladrey Capital Markets, LLC (f/k/a RSM EquiCo Capital Markets, LLC), et al. Plaintiffs filed an amended complaint in October 2011 styled In re International Textile Group Merger Litigation, adding a putative class action claim against MCM. Plaintiffs allege claims of aiding and abetting, civil conspiracy, gross negligence and breach of fiduciary duty against MCM in connection with a fairness opinion MCM provided to the Special Committee of Safety Components International, Inc. (SCI) in 2006 regarding the merger between International Textile Group, Inc. and SCI. Plaintiffs seek actual and punitive damages, pre-judgment interest, attorneys' fees and costs. On February 8, 2012, the court dismissed plaintiffs' civil conspiracy claim against all defendants. Plaintiffs' other claims remain pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July 11, 2006 and styled Do Right's Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the "RSM Parties"), Case No. 06 CC00137, in the California Superior Court, Orange County. The complaint contains allegations relating to business valuation services provided by EquiCo, including allegations of fraud, conversion 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. To avoid the cost and inherent risk associated with litigation, the parties reached an agreement to settle the case for a maximum payment of $41.5 million, although the actual cost of the settlement will depend on the number of valid claims submitted by class members. The California Superior Court granted final approval of the settlement on October 20, 2011. We previously recorded a liability for our best estimate of the expected loss. The amount we paid during our third quarter did not exceed the amount we had previously accrued. Other 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 may include actions by state attorneys general, other state regulators, federal regulators, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others similarly situated. 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 impact on our consolidated financial position, results of operations and cash flows. We are also 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 impact on our consolidated financial position, results of operations and cash flows. </div>

<div> 16. Accounting Pronouncements In September 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2011-08, "Intangibles – Goodwill and Other (Topic 350): Testing Goodwill for Impairment." Under the amendments in this guidance, an entity may consider qualitative factors before applying Step 1 of the goodwill impairment assessment, but may no longer be permitted to carry forward estimates of a reporting unit's fair value from a prior year when specific criteria are met. These amendments are effective for goodwill impairment tests performed in fiscal years beginning after December 15, 2011. Early adoption is permitted. We are currently evaluating the effect of this guidance on our condensed consolidated financial statements. <div> In June 2011, the FASB issued Accounting Standards Update 2011-05, "Comprehensive Income (Topic 220): Statement of Comprehensive Income." Under the amendments in this guidance, an entity has the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. This guidance eliminates the option to present the components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments in this guidance do not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. These amendments are effective for fiscal years beginning after December 15, 2011. Early adoption is permitted. We elected to adopt this guidance as of May 1, 2011, and it did not have an effect on our presentation of comprehensive income in our condensed consolidated financial statements. In May 2011, the FASB issued Accounting Standards Update 2011-04, "Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs." Under the amendments in this guidance, an entity will be required to provide additional disclosures about the valuation processes and sensitivities of Level 3 assets and the categorization by level of the fair value hierarchy for items that are not measured at fair value in the statement of financial position, but for which the fair value is required to be disclosed These amendments are effective for interim and annual periods beginning after December 15, 2011. Early adoption is not permitted. We do not expect this guidance to have a material effect on our condensed consolidated financial statements. In April 2011, the FASB issued Accounting Standards Update 2011-02, "Receivables (Topic 310) – A Creditor's Determination of Whether a Restructuring is a Troubled Debt Restructuring." This guidance assists in determining if a loan modification qualifies as a TDR and requires that creditors must determine that a concession has been made and the borrower is having financial difficulties. We adopted this guidance as of May 1, 2011. We did not identify any new TDRs attributable to this new guidance and it did not have a material effect on our condensed consolidated financial statements. In October 2009, the FASB issued Accounting Standards Update 2009-13, "Revenue Recognition (Topic 605) – Multiple-Deliverable Revenue Arrangements." 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 new multiple-deliverable revenue arrangements. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements. In December 2010, the FASB issued Accounting Standards Update 2010-28, "Intangibles – Goodwill and Other (Topic 350): When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts." The amendments affect reporting units whose carrying amount is zero or negative, and require performance of Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. In determining whether it is more likely than not that a goodwill impairment exists, a reporting unit would consider whether there are any adverse qualitative factors indicating that an impairment may exist. The qualitative factors are consistent with existing guidance. The reporting unit would evaluate if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements. In December 2010, the FASB issued Accounting Standards Update 2010-29, "Business Combinations (Topic 805): Disclosure of Supplementary Pro Forma Information for Business Combinations." The amendments in this guidance specify that if a public entity presents comparative financial statements, the entity would disclose revenue and earnings of the combined entity as though the business combination(s) that occurred during the current year had occurred as of the beginning of the comparable prior annual reporting period only. Additionally, disclosures should be accompanied by a narrative description about the nature and amount of material, nonrecurring pro forma adjustments. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements.</div> </div>

<div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"> <tr><td style="width: 56%;"> </td> <td style="width: 47pt;"> </td> <td style="width: 50pt;"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td valign="bottom" width="78%" nowrap="nowrap"> Nine months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Balance, beginning of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 19,532 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 29,252 </td></tr> <tr><td valign="top"> Additions </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 6,521 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 12,931 </td></tr> <tr><td valign="top"> Sales </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (7,933 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (16,900 )</td></tr> <tr><td valign="top"> Writedowns </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (2,193 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (3,442 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Balance, end of the period </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 15,927 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 21,841 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> </div>

<div> 15. Segment Information Results of our continuing operations by reportable operating segment are as follows:   <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right">(in 000s) </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Three months ended January 31,</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center">Nine months ended January 31,</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2012 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center">2011 </td></tr> <tr><td valign="top"> Revenues:</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Tax Services </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 655,701 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 672,810 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 868,144 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 875,376 </td></tr> <tr><td valign="top"> Corporate </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,579 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 7,486 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,953 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> 24,345 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 663,280 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 680,296 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 893,097 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 899,721 </td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Pretax income (loss):</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Tax Services </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 31,716 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ 4,114 </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (311,733 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (324,865 )</td></tr> <tr><td valign="top"> Corporate </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (32,742 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (30,082 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (93,823 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> (91,770 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr> <tr><td valign="top"> Loss from continuing operations before income tax (benefit) </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (1,026 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (25,968 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (405,556 )</td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"> $ (416,635 )</td></tr> <tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td> <td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">  </td></tr></table> As of January 31, 2012, the results of operations of our previously reported Business Services segment are presented as discontinued operations in the condensed consolidated statements of operations. All periods presented have been reclassified to reflect our discontinued operations. See notes 1 and 13 for additional information. </div>

899721000

24345000

875376000

680296000

7486000

672810000

893097000

24953000

868144000

663280000

7579000

655701000

350201000

190639000

408144000

211736000

599758000

399117000

599788000

399177000

599871000

399364000

three

7300000

3500000

11000000

2000000

1000000

2400000

<div> <div> <div> <div class="MetaData"> 1. Summary of Significant Accounting Policies <div class="MetaData"> <div> Basis of Presentation The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 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, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. "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. 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, 2011 Annual Report to Shareholders on Form 10-K. All amounts presented herein as of April 30, 2011 or for the year then ended, are derived from our April 30, 2011 Annual Report to Shareholders on Form 10-K.</div></div> <div class="MetaData"> Management Estimates <div> 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 claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.</div></div> <div> <div class="MetaData"> Seasonality of Business 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> <div class="MetaData"> <div> Discontinued Operations – Recent Events <div> In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey & Pullen LLP (M&P) for net cash proceeds of $495.6 million. We also received a short-term note in the amount of $32.3 million and a long-term note in the amount of $54.0 million. M&P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $37.1 million, which includes an $85.4 million impairment of goodwill recorded in our first quarter and tax benefits of $20.5 million recorded in the third quarter associated with capital loss carry-forwards utilized. In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $1.0 million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $12.4 million and included a $14.3 million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.</div></div></div></div></div></div></div> </div>

1449574000

-191399000

-2699555000

1449574000

2890954000

806449000

-267917000

-1694728000

806449000

1962645000

1100000

1000000

19000000

13000000

279900000

177500000

200000

3500000

3100000

399187000

400438000

26220000

23455000

0.0150

0.015

0.228

0.256

399187000

400438000

209758000

187642000

0.1200

0.120

87399000

78184000

0.050

0.228

0.256

399187000

400438000

26264000

50555000

0.060

0.912

0.475

12931000

6521000

2036552000

2021059000

4121000

3629000

154800000

199200000

3500000

9498000

5714000

310546000

305144000

299450000

292963000

310546000

305144000

299450000

292963000

At January 31, 2012 and April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. Total risk-based capital divided by risk-weighted assets. Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. We do not accrue interest on loans past due 90 days or more. Tangible capital divided by tangible assets. Tier 1 (core) capital divided by adjusted total assets. Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.