0000012659 hrb:McGladreyAndPullenLLPMember 2010-05-01 2011-04-30 0000012659 us-gaap:CommonStockMember 2010-05-01 2011-04-30 0000012659 us-gaap:CommonStockMember 2009-05-01 2010-04-30 0000012659 us-gaap:RetainedEarningsMember 2011-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2011-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-04-30 0000012659 us-gaap:RetainedEarningsMember 2010-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2010-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-04-30 0000012659 us-gaap:RetainedEarningsMember 2009-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2009-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2009-04-30 0000012659 us-gaap:RetainedEarningsMember 2008-04-30 0000012659 us-gaap:ConvertiblePreferredStockMember 2008-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2008-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2008-04-30 0000012659 us-gaap:TreasuryStockMember 2011-04-30 0000012659 us-gaap:CommonStockMember 2011-04-30 0000012659 us-gaap:TreasuryStockMember 2010-04-30 0000012659 us-gaap:CommonStockMember 2010-04-30 0000012659 us-gaap:TreasuryStockMember 2009-04-30 0000012659 us-gaap:CommonStockMember 2009-04-30 0000012659 us-gaap:TreasuryStockMember 2008-04-30 0000012659 us-gaap:CommonStockMember 2008-04-30 0000012659 us-gaap:EmployeeStockOptionMember 2009-05-01 2010-04-30 0000012659 us-gaap:EmployeeStockOptionMember 2008-05-01 2009-04-30 0000012659 hrb:StockOptionsForSeasonalMember 2009-05-01 2010-04-30 0000012659 hrb:StockOptionsForSeasonalMember 2008-05-01 2009-04-30 0000012659 hrb:NonvestedSharesAndPerformanceNonvestedMember 2009-05-01 2010-04-30 0000012659 hrb:NonvestedSharesAndPerformanceNonvestedMember 2008-05-01 2009-04-30 0000012659 hrb:SeniorNoteSevenPointEightSevenFiveDueJanuaryTwoThousandAndThirteenMember 2010-04-30 0000012659 hrb:SeniorNoteFivePointOneTwoFiveDueOctoberTwoThousandAndFourteenMember 2010-04-30 0000012659 2010-05-01 2010-05-31 0000012659 us-gaap:LeaseholdImprovementsMember 2010-05-01 2011-04-30 0000012659 us-gaap:ComputerEquipmentMember 2010-05-01 2011-04-30 0000012659 us-gaap:BuildingMember 2010-05-01 2011-04-30 0000012659 us-gaap:SoftwareDevelopmentMember 2010-05-01 2011-04-30 0000012659 hrb:LoansToFranchiseesMember 2010-05-01 2011-04-30 0000012659 hrb:LoansToFranchiseesMember 2008-05-01 2009-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-05-01 2011-04-30 0000012659 hrb:AllOtherReceivablesMember 2010-05-01 2011-04-30 0000012659 hrb:TaxClientReceivablesMember 2009-05-01 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2009-05-01 2010-04-30 0000012659 hrb:AllOtherReceivablesMember 2009-05-01 2010-04-30 0000012659 hrb:TaxClientReceivablesMember 2008-05-01 2009-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2008-05-01 2009-04-30 0000012659 hrb:AllOtherReceivablesMember 2008-05-01 2009-04-30 0000012659 hrb:TaxClientReceivablesMember 2009-04-30 0000012659 hrb:LoansToFranchiseesMember 2009-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2009-04-30 0000012659 hrb:AllOtherReceivablesMember 2009-04-30 0000012659 hrb:TaxClientReceivablesMember 2008-04-30 0000012659 hrb:LoansToFranchiseesMember 2008-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2008-04-30 0000012659 hrb:AllOtherReceivablesMember 2008-04-30 0000012659 us-gaap:PreferredStockMember 2011-04-30 0000012659 us-gaap:ConvertiblePreferredStockMember 2011-04-30 0000012659 us-gaap:CashDistributionMember 2010-05-01 2011-04-30 0000012659 hrb:ReoPropertiesAndLoansMember 2010-05-01 2011-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-05-01 2011-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2009-05-01 2010-04-30 0000012659 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2008-05-01 2009-04-30 0000012659 us-gaap:LineOfCreditMember hrb:LoansToFranchiseesMember 2011-04-30 0000012659 hrb:TermLoanMember hrb:LoansToFranchiseesMember 2011-04-30 0000012659 hrb:RoyaltiesFromFranchiseesMember 2011-04-30 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2011-04-30 0000012659 hrb:OtherReceivablesMember 2011-04-30 0000012659 hrb:BusinessServicesReceivablesMember 2011-04-30 0000012659 hrb:RoyaltiesFromFranchiseesMember 2010-04-30 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2010-04-30 0000012659 hrb:OtherReceivablesMember 2010-04-30 0000012659 hrb:BusinessServicesReceivablesMember 2010-04-30 0000012659 hrb:CaliforniaWageAndHourClassActionLawsuitMember us-gaap:MinimumMember 2011-04-30 0000012659 hrb:CaliforniaWageAndHourClassActionLawsuitMember us-gaap:MaximumMember 2011-04-30 0000012659 hrb:RsmMcgladreyLitigationMember 2011-04-30 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember 2011-04-30 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember 2010-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2011-04-30 0000012659 hrb:IndemnityAgreementWithSingleCounterpartyMember 2011-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2010-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2010-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2009-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2009-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2008-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2008-04-30 0000012659 hrb:LoansToFranchiseesMember 2011-04-30 0000012659 hrb:TotalPastDueMember hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:TotalPastDueMember hrb:AllOtherMember 2011-04-30 0000012659 hrb:SixtyTo89DaysPastDueMember hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:SixtyTo89DaysPastDueMember hrb:AllOtherMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusOwnerOccupiedMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusNonOwnerOccupiedMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingMediumMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingHighMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelStatedIncomeMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelNoDocumentationMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelLimitedDocumentationMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelFullDocumentationMember 2011-04-30 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:AllOtherMember 2011-04-30 0000012659 hrb:LessThan60DaysPastDueMember hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:LessThan60DaysPastDueMember hrb:AllOtherMember 2011-04-30 0000012659 hrb:CurrentMember hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:CurrentMember hrb:AllOtherMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:OccupancyStatusOwnerOccupiedMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:OccupancyStatusNonOwnerOccupiedMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:InternalRiskRatingLowMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:InternalRiskRatingHighMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:DocumentationLevelStatedIncomeMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:DocumentationLevelNoDocumentationMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:DocumentationLevelLimitedDocumentationMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:DocumentationLevelFullDocumentationMember 2011-04-30 0000012659 hrb:TotalPastDueMember 2011-04-30 0000012659 hrb:SixtyTo89DaysPastDueMember 2011-04-30 0000012659 hrb:OccupancyStatusOwnerOccupiedMember 2011-04-30 0000012659 hrb:OccupancyStatusNonOwnerOccupiedMember 2011-04-30 0000012659 hrb:NinetyDaysPlusPastDueMember 2011-04-30 0000012659 hrb:LessThan60DaysPastDueMember 2011-04-30 0000012659 hrb:InternalRiskRatingMediumMember 2011-04-30 0000012659 hrb:InternalRiskRatingLowMember 2011-04-30 0000012659 hrb:InternalRiskRatingHighMember 2011-04-30 0000012659 hrb:DocumentationLevelStatedIncomeMember 2011-04-30 0000012659 hrb:DocumentationLevelNoDocumentationMember 2011-04-30 0000012659 hrb:DocumentationLevelLimitedDocumentationMember 2011-04-30 0000012659 hrb:DocumentationLevelFullDocumentationMember 2011-04-30 0000012659 hrb:CurrentMember 2011-04-30 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2011-04-30 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2011-04-30 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorOneYearFormOriginationMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:RevolvingLoansMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorOneYearFormOriginationMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorCurrentYearOfOriginationMember 2011-04-30 0000012659 hrb:TaxClientReceivablesMember 2011-04-30 0000012659 hrb:FhlbMember 2011-04-30 0000012659 hrb:CommittedLineOfCreditMember 2011-04-30 0000012659 hrb:SeniorNoteSixAndThreeOverFourDueInNovemberTwoThousandFourMember 2010-05-01 2011-04-30 0000012659 hrb:FiveHundredMillionCreditFacilityMember 2010-05-01 2011-04-30 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-04-30 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-04-30 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-04-30 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-04-30 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-04-30 0000012659 us-gaap:SecuritiesInvestmentMember 2010-05-01 2011-04-30 0000012659 us-gaap:OtherInterestIncomeMember 2010-05-01 2011-04-30 0000012659 hrb:MortgageLoansMember 2010-05-01 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-05-01 2011-04-30 0000012659 us-gaap:SecuritiesInvestmentMember 2009-05-01 2010-04-30 0000012659 us-gaap:OtherInterestIncomeMember 2009-05-01 2010-04-30 0000012659 hrb:MortgageLoansMember 2009-05-01 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2009-05-01 2010-04-30 0000012659 us-gaap:SecuritiesInvestmentMember 2008-05-01 2009-04-30 0000012659 us-gaap:OtherInterestIncomeMember 2008-05-01 2009-04-30 0000012659 hrb:MortgageLoansMember 2008-05-01 2009-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2008-05-01 2009-04-30 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2010-05-01 2011-04-30 0000012659 us-gaap:DepositsMember 2010-05-01 2011-04-30 0000012659 us-gaap:BorrowingsMember 2010-05-01 2011-04-30 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2009-05-01 2010-04-30 0000012659 us-gaap:DepositsMember 2009-05-01 2010-04-30 0000012659 us-gaap:BorrowingsMember 2009-05-01 2010-04-30 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2008-05-01 2009-04-30 0000012659 us-gaap:DepositsMember 2008-05-01 2009-04-30 0000012659 us-gaap:BorrowingsMember 2008-05-01 2009-04-30 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:PortfolioBalanceWithoutAllowanceMember 2010-04-30 0000012659 hrb:PortfolioBalanceWithAllowanceMember 2010-04-30 0000012659 hrb:TaxServicesMember hrb:RedgearUnitMember 2010-05-01 2011-04-30 0000012659 hrb:CommercialTaxPreparationSoftwareMember 2010-05-01 2011-04-30 0000012659 hrb:BusinessServicesMember hrb:RsmEquicoIncMember 2009-05-01 2010-04-30 0000012659 hrb:CommercialTaxPreparationSoftwareMember 2011-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-05-01 2011-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-05-01 2011-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2009-05-01 2010-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2009-05-01 2010-04-30 0000012659 us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2009-05-01 2010-04-30 0000012659 us-gaap:NoncompeteAgreementsMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:NoncompeteAgreementsMember hrb:BusinessServicesMember 2011-04-30 0000012659 us-gaap:FranchiseRightsMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:CustomerRelationshipsMember hrb:TaxServicesMember 2011-04-30 0000012659 us-gaap:CustomerRelationshipsMember hrb:BusinessServicesMember 2011-04-30 0000012659 hrb:TradeNameNonAmortizingMember hrb:BusinessServicesMember 2011-04-30 0000012659 hrb:TradeNameAmortizingMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:TradeNameAmortizingMember hrb:BusinessServicesMember 2011-04-30 0000012659 hrb:ReacquiredFranchiseRightsMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:PurchasedTechnologyMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:AttestFirmAffiliationMember 2011-04-30 0000012659 us-gaap:NoncompeteAgreementsMember hrb:TaxServicesMember 2010-04-30 0000012659 us-gaap:NoncompeteAgreementsMember hrb:BusinessServicesMember 2010-04-30 0000012659 us-gaap:FranchiseRightsMember hrb:TaxServicesMember 2010-04-30 0000012659 us-gaap:CustomerRelationshipsMember hrb:TaxServicesMember 2010-04-30 0000012659 us-gaap:CustomerRelationshipsMember hrb:BusinessServicesMember 2010-04-30 0000012659 hrb:TradeNameNonAmortizingMember hrb:BusinessServicesMember 2010-04-30 0000012659 hrb:TradeNameAmortizingMember hrb:TaxServicesMember 2010-04-30 0000012659 hrb:TradeNameAmortizingMember hrb:BusinessServicesMember 2010-04-30 0000012659 hrb:ReacquiredFranchiseRightsMember hrb:TaxServicesMember 2010-04-30 0000012659 hrb:PurchasedTechnologyMember hrb:TaxServicesMember 2010-04-30 0000012659 us-gaap:EmployeeStockOptionMember 2010-05-01 2011-04-30 0000012659 hrb:NonvestedSharesAndPerformanceNonvestedMember 2010-05-01 2011-04-30 0000012659 us-gaap:EmployeeStockOptionMember 2011-04-30 0000012659 hrb:NonvestedSharesAndPerformanceNonvestedMember 2011-04-30 0000012659 us-gaap:RetainedEarningsMember 2008-05-01 2009-04-30 0000012659 hrb:CorporateMember 2010-05-01 2011-04-30 0000012659 hrb:CorporateMember 2009-05-01 2010-04-30 0000012659 hrb:BusinessServicesMember 2009-05-01 2010-04-30 0000012659 hrb:TaxServicesMember 2008-05-01 2009-04-30 0000012659 hrb:CorporateMember 2008-05-01 2009-04-30 0000012659 hrb:BusinessServicesMember 2008-05-01 2009-04-30 0000012659 us-gaap:SoftwareMember 2010-05-01 2011-04-30 0000012659 us-gaap:SoftwareMember 2009-05-01 2010-04-30 0000012659 us-gaap:SoftwareMember 2008-05-01 2009-04-30 0000012659 us-gaap:StateAndLocalJurisdictionMember 2011-04-30 0000012659 hrb:AmeripriseMember 2011-04-30 0000012659 hrb:SeniorNoteSevenPointEightSevenFiveDueJanuaryTwoThousandAndThirteenMember 2011-04-30 0000012659 hrb:SeniorNoteFivePointOneTwoFiveDueOctoberTwoThousandAndFourteenMember 2011-04-30 0000012659 us-gaap:SalesRevenueSegmentMember hrb:TaxServicesMember 2011-04-30 0000012659 hrb:HrbBankInterestOnlyMortgageMember 2011-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-05-01 2011-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2009-05-01 2010-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2008-05-01 2009-04-30 0000012659 us-gaap:SubsidiariesMember 2008-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2008-04-30 0000012659 hrb:BfcIssuerMember 2008-04-30 0000012659 2008-04-30 0000012659 2011-03-31 0000012659 2010-03-31 0000012659 us-gaap:NoncompeteAgreementsMember hrb:CaturanoCompanyIncMember 2010-07-20 0000012659 us-gaap:CustomerRelationshipsMember hrb:CaturanoCompanyIncMember 2010-07-20 0000012659 hrb:AttestFirmAffiliationMember hrb:CaturanoCompanyIncMember 2010-07-20 0000012659 hrb:MajorIndependentFranchiseOperatorMember 2008-11-03 0000012659 us-gaap:SeriesOfIndividuallyImmaterialBusinessAcquisitionsMember 2011-04-30 0000012659 hrb:TwossHoldingsIncMember 2010-10-14 0000012659 us-gaap:SeriesOfIndividuallyImmaterialBusinessAcquisitionsMember 2010-04-30 0000012659 us-gaap:SeriesOfIndividuallyImmaterialBusinessAcquisitionsMember 2009-04-30 0000012659 us-gaap:MunicipalBondsMember 2011-04-30 0000012659 us-gaap:MortgageBackedSecuritiesMember 2011-04-30 0000012659 hrb:TrustPreferredSecurityMember 2011-04-30 0000012659 us-gaap:MunicipalBondsMember 2010-04-30 0000012659 us-gaap:MortgageBackedSecuritiesMember 2010-04-30 0000012659 hrb:TrustPreferredSecurityMember 2010-04-30 0000012659 us-gaap:ForeignCountryMember 2011-04-30 0000012659 hrb:TaxServicesMember 2011-04-30 0000012659 hrb:CorporateMember 2011-04-30 0000012659 hrb:BusinessServicesMember 2011-04-30 0000012659 us-gaap:ForeignCountryMember 2010-04-30 0000012659 hrb:TaxServicesMember 2010-04-30 0000012659 hrb:CorporateMember 2010-04-30 0000012659 hrb:BusinessServicesMember 2010-04-30 0000012659 us-gaap:ForeignCountryMember 2009-04-30 0000012659 hrb:TaxServicesMember 2009-04-30 0000012659 hrb:CorporateMember 2009-04-30 0000012659 hrb:BusinessServicesMember 2009-04-30 0000012659 2009-04-30 0000012659 hrb:PooledLessThan60DaysPastDueMember 2011-04-30 0000012659 hrb:IndividuallyTdrMember 2011-04-30 0000012659 hrb:Individually60DaysOrMorePastDueMember 2011-04-30 0000012659 hrb:PooledLessThan60DaysPastDueMember 2010-04-30 0000012659 hrb:IndividuallyTdrMember 2010-04-30 0000012659 hrb:Individually60DaysOrMorePastDueMember 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-04-30 0000012659 hrb:AllOtherReceivablesMember 2011-04-30 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:NoncompeteAgreementsMember hrb:CaturanoCompanyIncMember 2010-05-01 2010-07-20 0000012659 us-gaap:CustomerRelationshipsMember hrb:CaturanoCompanyIncMember 2010-05-01 2010-07-20 0000012659 hrb:AttestFirmAffiliationMember hrb:CaturanoCompanyIncMember 2010-05-01 2010-07-20 0000012659 hrb:TwoThousandSixMember 2011-04-30 0000012659 hrb:TwoThousandSevenMember 2011-04-30 0000012659 hrb:TwoThousandFiveMember 2011-04-30 0000012659 hrb:LowMember 2011-02-01 2011-04-30 0000012659 hrb:HighMember 2011-02-01 2011-04-30 0000012659 hrb:LowMember 2010-11-01 2011-01-31 0000012659 hrb:HighMember 2010-11-01 2011-01-31 0000012659 hrb:LowMember 2010-08-01 2010-10-31 0000012659 hrb:HighMember 2010-08-01 2010-10-31 0000012659 hrb:LowMember 2010-05-01 2011-04-30 0000012659 hrb:HighMember 2010-05-01 2011-04-30 0000012659 hrb:LowMember 2010-05-01 2010-07-31 0000012659 hrb:HighMember 2010-05-01 2010-07-31 0000012659 hrb:LowMember 2010-02-01 2010-04-30 0000012659 hrb:HighMember 2010-02-01 2010-04-30 0000012659 hrb:LowMember 2009-11-01 2010-01-31 0000012659 hrb:HighMember 2009-11-01 2010-01-31 0000012659 hrb:LowMember 2009-08-01 2009-10-31 0000012659 hrb:HighMember 2009-08-01 2009-10-31 0000012659 hrb:LowMember 2009-05-01 2010-04-30 0000012659 hrb:HighMember 2009-05-01 2010-04-30 0000012659 hrb:LowMember 2009-05-01 2009-07-31 0000012659 hrb:HighMember 2009-05-01 2009-07-31 0000012659 hrb:StockOptionsForManagementAndDirectorMember 2010-05-01 2011-04-30 0000012659 hrb:EsppMember 2010-05-01 2011-04-30 0000012659 hrb:StockOptionsForManagementAndDirectorMember 2009-05-01 2010-04-30 0000012659 hrb:EsppMember 2009-05-01 2010-04-30 0000012659 hrb:StockOptionsForManagementAndDirectorMember 2008-05-01 2009-04-30 0000012659 hrb:EsppMember 2008-05-01 2009-04-30 0000012659 us-gaap:CommonStockMember 2008-05-01 2009-04-30 0000012659 hrb:ParticipatingPreferredStockMember 2010-05-01 2011-04-30 0000012659 us-gaap:MaximumMember 2011-04-30 0000012659 us-gaap:ParentCompanyMember 2010-05-01 2011-04-30 0000012659 us-gaap:ParentCompanyMember 2009-05-01 2010-04-30 0000012659 us-gaap:ParentCompanyMember 2008-05-01 2009-04-30 0000012659 us-gaap:SubsidiariesMember 2010-05-01 2011-04-30 0000012659 hrb:BfcIssuerMember 2010-05-01 2011-04-30 0000012659 us-gaap:SubsidiariesMember 2009-05-01 2010-04-30 0000012659 hrb:BfcIssuerMember 2009-05-01 2010-04-30 0000012659 us-gaap:SubsidiariesMember 2008-05-01 2009-04-30 0000012659 hrb:BfcIssuerMember 2008-05-01 2009-04-30 0000012659 us-gaap:RetainedEarningsMember 2010-05-01 2011-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2010-05-01 2011-04-30 0000012659 us-gaap:RetainedEarningsMember 2009-05-01 2010-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2009-05-01 2010-04-30 0000012659 us-gaap:AdditionalPaidInCapitalMember 2008-05-01 2009-04-30 0000012659 us-gaap:TreasuryStockMember 2010-05-01 2011-04-30 0000012659 us-gaap:TreasuryStockMember 2009-05-01 2010-04-30 0000012659 us-gaap:TreasuryStockMember 2008-05-01 2009-04-30 0000012659 us-gaap:ParentCompanyMember 2011-04-30 0000012659 us-gaap:ParentCompanyMember 2010-04-30 0000012659 us-gaap:ParentCompanyMember 2009-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-04-30 0000012659 hrb:BfcIssuerMember 2011-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-04-30 0000012659 hrb:BfcIssuerMember 2010-04-30 0000012659 us-gaap:SubsidiariesMember 2009-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2009-04-30 0000012659 hrb:BfcIssuerMember 2009-04-30 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-04-30 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2010-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2010-04-30 0000012659 us-gaap:MinimumMember 2010-05-01 2011-04-30 0000012659 us-gaap:MaximumMember 2010-05-01 2011-04-30 0000012659 hrb:SeniorNoteSevenPointEightSevenFiveDueJanuaryTwoThousandAndThirteenMember 2010-05-01 2011-04-30 0000012659 hrb:SeniorNoteFivePointOneTwoFiveDueOctoberTwoThousandAndFourteenMember 2010-05-01 2011-04-30 0000012659 hrb:FhlbMember 2010-05-01 2011-04-30 0000012659 hrb:CommittedLineOfCreditMember 2010-05-01 2011-04-30 0000012659 hrb:MinimumCreditScoreMember 2010-05-01 2011-04-30 0000012659 hrb:MaximumCreditScoreMember 2010-05-01 2011-04-30 0000012659 hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:AllOtherMember 2011-04-30 0000012659 hrb:HrbBankInterestOnlyMortgageMember 2010-05-01 2011-04-30 0000012659 hrb:TaxClientReceivablesMember 2010-05-01 2011-04-30 0000012659 us-gaap:SubsidiariesMember 2011-04-30 0000012659 us-gaap:SubsidiariesMember 2010-04-30 0000012659 us-gaap:PendingOrThreatenedLitigationMember 2011-04-30 0000012659 hrb:TaxServicesMember 2010-05-01 2011-04-30 0000012659 hrb:BusinessServicesMember 2010-05-01 2011-04-30 0000012659 hrb:TaxServicesMember 2009-05-01 2010-04-30 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2010-05-01 2011-04-30 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2009-05-01 2010-04-30 0000012659 us-gaap:FairValueInputsLevel3Member 2011-04-30 0000012659 us-gaap:FairValueInputsLevel2Member 2011-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2011-04-30 0000012659 us-gaap:FairValueInputsLevel3Member 2010-04-30 0000012659 us-gaap:FairValueInputsLevel2Member 2010-04-30 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2010-04-30 0000012659 hrb:CommittedLineOfCreditMember us-gaap:MinimumMember 2010-05-01 2011-04-30 0000012659 hrb:CommittedLineOfCreditMember us-gaap:MaximumMember 2010-05-01 2011-04-30 0000012659 hrb:CaturanoCompanyIncMember 2010-05-01 2011-04-30 0000012659 2008-05-01 2008-10-27 0000012659 hrb:PrivateLabelSecuritizationTransactionsMember 2011-04-30 0000012659 hrb:MonolineInsurersMember 2011-04-30 0000012659 hrb:AdditionalInformationRequestedByCounterpartyMember 2011-04-30 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 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 2009-02-01 2009-04-30 0000012659 hrb:TwoThousandSevenMember 2009-02-01 2009-04-30 0000012659 2009-02-01 2009-04-30 0000012659 hrb:TwoThousandSixMember 2008-11-01 2009-01-31 0000012659 hrb:TwoThousandSevenMember 2008-11-01 2009-01-31 0000012659 hrb:TwoThousandFiveMember 2008-11-01 2009-01-31 0000012659 2008-11-01 2009-01-31 0000012659 hrb:TwoThousandSixMember 2008-08-01 2008-10-31 0000012659 hrb:TwoThousandSevenMember 2008-08-01 2008-10-31 0000012659 hrb:TwoThousandFiveMember 2008-08-01 2008-10-31 0000012659 2008-08-01 2008-10-31 0000012659 hrb:TwoThousandSixMember 2008-05-01 2011-04-30 0000012659 hrb:TwoThousandSevenMember 2008-05-01 2011-04-30 0000012659 hrb:TwoThousandFiveMember 2008-05-01 2011-04-30 0000012659 2008-05-01 2011-04-30 0000012659 hrb:TwoThousandSixMember 2008-05-01 2008-07-31 0000012659 hrb:TwoThousandSevenMember 2008-05-01 2008-07-31 0000012659 hrb:TwoThousandFiveMember 2008-05-01 2008-07-31 0000012659 2008-05-01 2008-07-31 0000012659 2008-05-01 2009-04-30 0000012659 2010-05-01 2010-07-20 0000012659 hrb:CaturanoCompanyIncMember 2011-04-30 0000012659 hrb:CaturanoCompanyIncMember 2010-07-20 0000012659 2009-05-01 2010-04-30 0000012659 hrb:PurchasedFromSccMember 2010-05-01 2011-04-30 0000012659 hrb:AllOtherMember 2010-05-01 2011-04-30 0000012659 2010-04-30 0000012659 2011-04-30 0000012659 2010-10-31 0000012659 2011-05-31 0000012659 2010-05-01 2011-04-30 iso4217:USD xbrli:shares xbrli:pure iso4217:USD xbrli:shares false --04-30 FY 2011 2011-04-30 10-K 0000012659 305383646 Yes Large Accelerated Filer 3564690812 H&R BLOCK INC No Yes 5500 0.60 0.58 <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">ADVERTISING EXPENSE </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Advertising costs for radio and television ads are expensed the first time the advertisement takes place, with print and mailing advertising expensed as incurred. Total advertising costs of continuing operations for fiscal years 2011, 2010 and 2009 totaled $<font class="_mt">264.2</font> million, $<font class="_mt">254.8</font> million and $<font class="_mt">249.2</font> million, respectively. </font></p></div> 0.67 68696000 69794000 8915000 11055000 0.161 0.050 0.227 77611000 80849000 84000000000 10300000 6500000 5890000 5500000 13 245000000 235000000 235000000 12 112400000 115000000 <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 7pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="33%"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in millions) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="52" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="52" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Loan Origination Year: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2005 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2006 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">89 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">100 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">519 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2007 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="51"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Total </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 172 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 41 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 197 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 22 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 45 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 109 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 21 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 33 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 55 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 795 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="51"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="53"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> 172000000 40000000 43000000 89000000 795000000 85000000 191000000 519000000 41000000 21000000 10000000 10000000 197000000 1000000 85000000 111000000 22000000 15000000 7000000 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 79000000 30000000 53000000 25000000 <div class="MetaData"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">COMMERCIAL PAPER </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> During the year we issued commercial paper to finance temporary liquidity needs and various financial activities. There was no commercial paper outstanding at April 30, 2011 or 2010. </font></font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> </font></div> 17.50 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">COMPREHENSIVE INCOME </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Our comprehensive income is comprised of net income, foreign currency translation adjustments and the change in net unrealized gains or losses on AFS marketable securities. Included in stockholders' equity at April 30, 2011 and 2010, the net unrealized holding gain on AFS securities was $0.5 million and $0.3 million, respectively, and the foreign currency translation adjustment was $10.8 million and $1.3 million, respectively. </font></p></div></div> 488160000 475351000 2600000 73213000 170566000 9432000 200000 26292000 21057000 237000 15991000 15953000 9071000 31892000 32481000 81118000 49751000 6337000 4734000 81100000 865318000 -2042000 -1888000 -1085000 0.425 0.451 0.394 0.016 -0.005 -0.003 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">EMPLOYEE BENEFIT PLANS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We have 401(k) defined contribution plans covering all full-time and seasonal employees following the completion of an eligibility period. Contributions of our continuing operations to these plans are discretionary and totaled $22.3 million, $24.0 million and $26.7 million for fiscal years 2011, 2010 and 2009, respectively. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We have a severance policy covering all regular full-time or part-time active employees for involuntary separation from the company. In May 2010 we announced plans to realign field and support organizations. The realignment included approximately 400 staff reductions. Associated severance benefits were recorded primarily during the first fiscal quarter of 2011 and totaled $29.6 million. </font></p></div></div></div> 0.0280 0.0130 0.0180 0.0030 0.0070 0.0020 0.10 0.026 0.006 0.020 0.052 0.032 0.020 0.40 0.42 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">FOREIGN CURRENCY TRANSLATION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Assets and liabilities of foreign subsidiaries are translated into U.S. dollars at exchange rates prevailing at the end of the year. Revenues and expenses of our foreign operations are translated at the average exchanges rates in effect during the fiscal year. Translation adjustments are recorded as a separate component of other comprehensive income in stockholders' equity. </font></p></div></div> -15257000 -12698000 -9453000 -11390000 -4430000 -1920000 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">GAINS ON SALES OF TAX OFFICES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We periodically sell company-owned tax offices to franchisees. These sales can be financed by franchisees through loans offered by an affiliated company, which we consolidate. Gains are recorded upon determination that collection of the sales proceeds is reasonably assured. Gains are initially deferred when they are financed with these loans and are recognized after minimum payments and equity thresholds are met. Gains are reported in operating income due to their recurring nature, and are included as a reduction of selling, general and administrative expenses in our consolidated income statements. </font></p></div></div> 1031000 1031000 15495000 5209000 10286000 <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="35%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="3%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="3%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="3%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">To Be Well Capitalized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">For Capital Adequacy<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Under Prompt Corrective<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Actual </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Purposes </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Action Provisions </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Ratio </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Ratio </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Ratio </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of March 31, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total risk-based capital ratio <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 405,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>92.5%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,019</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8.0%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 43,773</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.0%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tier 1 risk-based capital ratio <sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>399,187</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>91.2%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>N/A</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>N/A</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>26,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6.0%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tier 1 capital ratio (leverage) <sup style="font-size: 85%; vertical-align: top;">(3)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>399,187</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>22.8%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 209,758</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12.0%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>87,399</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5.0%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tangible equity ratio <sup style="font-size: 85%; vertical-align: top;">(4)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>399,187</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>22.8%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>26,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.5%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>N/A</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>N/A</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of March 31, 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total risk-based capital ratio <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">420,401 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">75.7% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">44,436 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8.0% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">55,545 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10.0% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tier 1 risk-based capital ratio <sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">413,074 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">74.4% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">N/A </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">N/A </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,327 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6.0% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tier 1 capital ratio (leverage) <sup style="font-size: 85%; vertical-align: top;">(3)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">413,074 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">24.9% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">199,272 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12.0% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83,030 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5.0% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tangible equity ratio <sup style="font-size: 85%; vertical-align: top;">(4)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">413,074 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">24.9% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">24,909 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.5% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">N/A </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">N/A </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="29"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Total risk-based capital divided by risk-weighted assets. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(2)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(3)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Tier 1 (core) capital divided by adjusted total assets. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(4)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Tangible capital divided by tangible assets. </font></td></tr></table> 16000000 December 2015 31000000 50000000 12500000 7700000 1207879000 1207879000 1214164000 1214164000 83000 94000 0.499 14004000 10156000 8541000 2482000 2245000 11000000 5300000 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">LITIGATION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> It is our policy to routinely assess the likelihood of any adverse judgments or outcomes related to legal matters, as well as ranges of probable losses. A determination of the amount of the reserves required, if any, for these contingencies is made after analysis of each known issue and an analysis of historical experience. We record reserves related to certain legal matters for which we believe it is probable that a loss will be incurred and the range of such loss can be estimated. With respect to other matters, management has concluded that a loss is only reasonably possible or remote, or not estimable and, therefore, no liability is recorded. Management discloses the facts regarding material matters, and potential exposure if determinable, for losses assessed as reasonably possible to occur. Costs incurred with defending claims are expensed as incurred. Any receivable for insurance recoveries is recorded separately from the corresponding litigation reserve, and only if recovery is determined to be probable. </font></p></div></div> 0.1370 0.1610 215200000 3700000 160124000 157464000 14106000 143358000 0.80 0.8 28701000 43273000 July 31, 2013 April 2012 October 30, 2014 January 15, 2013 December 2022 May 2011 0.57 -36407000 -18244000 -12155000 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MANAGEMENT ESTIMATES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> The preparation of financial statements in conformity with generally accepted accounting principles (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending litigation, fair value of reporting units, 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. </font></p></div></div> 200000000 700 700 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MORTGAGE LOAN REPURCHASE LIABILITY </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> In connection with the securitization and sale of loans, Sand Canyon Corporation (SCC) made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of lien securing the loan, and the loan's compliance with SCC's underwriting criteria. Representations and warranties in whole loan sale transactions to institutional investors included a "knowledge qualifier" which limits SCC liability for borrower fraud to those instances where SCC had knowledge of the fraud at the time the loans were sold. 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, SCC may be obligated to repurchase a loan or otherwise indemnify certain parties for losses incurred as a result of loan liquidation. Generally, these representations and warranties are not subject to a stated term, but would be subject to statutes of limitation applicable to the contractual provisions. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">SCC estimates losses relating to representation and warranty claims by estimating loan repurchase and indemnification obligations on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a combination of reviewing repurchase demands and actual defaults and loss severities, inquiries from various third-parties, the terms and provisions of related agreements and the historical rate of repurchase and indemnification obligations related to breaches of representations and warranties. SCC's methodology for calculating this liability considers the likelihood that individual counterparties will assert future claims. The repurchase liability is included in accounts payable, accrued expenses and other current liabilities on our consolidated balance sheets. </font></p></div></div></div> 381500000 88456000 88456000 90628000 90628000 295154000 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MORTGAGE LOANS HELD FOR INVESTMENT </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Mortgage loans held for investment represent loans originated or acquired with the ability and current intent to hold to maturity. Loans held for investment are carried at amortized cost adjusted for charge-offs, net of allowance for loan losses, deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Loan fees and certain direct loan origination costs are deferred and the net fee or cost is recognized in interest income over the life of the related loan. Unearned income, premiums and discounts on purchased loans are amortized or accreted into income over the estimated life of the loan using methods that approximate the interest method based on assumptions regarding the loan portfolio, including prepayments adjusted to reflect actual experience. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We record an allowance representing our estimate of credit losses inherent in the loan portfolio at the balance sheet date. Loan recoveries and the provision for credit losses increase the allowance, while loan charge-offs decrease the allowance. A current assessment of the value of the loan's underlying collateral is made when the loan is no later than 60 days past due and any loan balance in excess of the value less costs to sell the property is included in the provision for credit losses. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We evaluate mortgage loans less than 60 days past due on a pooled basis and record a loan loss allowance for those loans in the aggregate. We stratify these loans based on our view of risk associated with various elements of the pool and assign estimated loss rates based on those risks. Loss rates consider both the rate at which loans will become delinquent (frequency) and the amount of loss that will ultimately be realized upon occurrence of a liquidation of collateral (severity), and are primarily based on historical experience and our assessment of economic and market conditions. </font></p> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Loans are considered impaired when we believe it is probable we will be unable to collect all principal and interest due according to the contractual terms of the note, or when the loan is 60 days past due. Impaired loans are reviewed individually and a specific loan loss allowance is recorded based on the fair value of the underlying collateral. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We classify loans as non-accrual when full and timely collection of interest or principal becomes uncertain, or when they are 90 days past due. Interest previously accrued, but not collected, is reversed against current interest income when a loan is placed on non-accrual status. Accretion of deferred fees is discontinued for non-accrual loans. Payments received on non-accrual loans are recognized as interest income when the loan is considered collectible and applied to principal when it is doubtful that all contractual payments will be collected. Loans are not placed back on accrual status until collection of principal and interest is reasonably assured as a result of the borrower bringing the loan into compliance with the contractual terms of the loan. Prior to restoring a loan to accrual status, management considers a borrower's prospects for continuing future contractual payments. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">From time to time, as part of our loss mitigation process, we may agree to modify the contractual terms of a borrower's loan. We have developed loan modification programs designed to help borrowers refinance adjustable-rate mortgage loans prior to rate reset or who may otherwise have difficulty making their payments. In cases where we modify a loan and in so doing grant a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (TDR). We may consider the borrower's payment status and history, the borrower's ability to pay upon a rate reset on an adjustable-rate mortgage, the size of the payment increase upon a rate reset, the period of time remaining prior to the rate reset and other relevant factors in determining whether a borrower is experiencing financial difficulty. A borrower who is current may be deemed to be experiencing financial difficulty in instances where the evidence suggests an inability to pay based on the original terms of the loan after the interest rate reset and, in the absence of a modification, may default on the loan. We evaluate whether the modification represents a concession we would not otherwise consider, such as a lower interest rate than what a new borrower of similar credit risk would be offered. A loan modified in a troubled debt restructuring, including a loan that was current at the time of modification, is placed on non-accrual status until we determine future collection of principal and interest is reasonably assured, which generally requires the borrower to demonstrate a period of performance according to the restructured terms. At the time of the modification, we record impairment for TDR loans equal to the difference between the principal balance of the loan and the present value of expected future cash flows discounted at the loan's effective interest rate. However, if we later assess that foreclosure of a modified loan is probable, we record impairment based on the estimated fair value of the underlying collateral. </font></p></div></div></div> -11916000 -10314000 -4294000 12300000 -199032000 73820000 125212000 354617000 415591000 -770208000 206722000 459755000 -666477000 -73820000 73820000 -415591000 415591000 -459755000 459755000 1400000000 1015000 677000 632000 -990000 -20392000 19402000 -1227000 -13806000 -300000 12879000 -1019000 -12952000 -95000 12028000 85200000 5 3 22002000 10056000 11946000 31513000 73493000 -41980000 34349000 21556000 12793000  <strong><font style="font-family: Arial;" class="_mt">NOTE 12: OTHER NONCURRENT ASSETS AND LIABILITIES</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We have various compensation plans where we make contributions to eligible participant accounts, which may also include deferred compensation of the participant, with the participants then accruing income on these amounts. Included in other noncurrent liabilities is $<font class="_mt">152.7</font> million and $<font class="_mt">135.5</font> million at April 30, 2011 and 2010, respectively, reflecting our obligation under these plans. We may purchase whole-life insurance contracts on certain employee participants to recover distributions made or to be made under the plans. The cash surrender value of the policies and other assets held by the trusts are recorded in other noncurrent assets and totaled $<font class="_mt">115.0</font> million and $<font class="_mt">112.4</font> million at April 30, 2011 and 2010, respectively. These assets are restricted, as they are only available to fund the related liabilities. </div> 89664000 89664000 92455000 92455000 106189000 106189000 254250000 254250000 283534000 283534000 0.84 0.01 0.01 0.89 0.59 0.90 0.78 0.22 0.302 0.110 0.417 0.84 5600000 600000 292655000 259214000 31600000 46700000 46200000 40710000 40710000 57552000 57552000 8286000 181829000 161296000 180951000 16291000 16291000 12366000 12366000 2500 37700000 <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="55%"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of May 1: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>138,415</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">156,659 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">193,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,785</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,936 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>188,200</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">206,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">243,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Provisions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Losses on repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,155</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(18,244 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(36,407 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments under indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(49,785</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(151 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(64 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>126,260</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">138,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">156,659 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,785 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,936 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 126,260</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 188,200 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 206,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> 15075000 8417000 6658000 15758000 14639000 1119000 16797000 16690000 107000 <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="43%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Emerald Advance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Client<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Loans<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">All<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Lines of Credit </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Receivables - RALs </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">to Franchisees </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of May 1, 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,393 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,398 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,360 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 120,155 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">42,875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">59,155 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">116,174 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(31,393 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(17,406 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(59,304 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(108,103 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2009 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 42,875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 14,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,526 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">128,541 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,919 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,193 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,642 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111,754 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">534 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">534 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(41,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(14,138 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(72,661 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(128,354 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,239 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,041 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>91,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>52,716</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>144,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>312</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>312</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (122,385</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (12,193</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (55,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (189,585</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2011 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,400</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 63,066</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our allowance for doubtful accounts consists of the following: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="73%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Allowance related to: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Emerald Advance lines of credit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,400</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,239 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax client receivables related to RALs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other receivables </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>63,066</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,041 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="78%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Portion of total allowance for loan losses allocated<br />to impaired loans and TDR loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Based on collateral value method </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>69,794</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Based on discounted cash flow method </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,055</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,915 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 80,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 77,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="56%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>93,535</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">84,073 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45,401 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,567</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">47,750 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">63,897 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>272</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">54 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(37,287</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(38,376 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(25,279 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  84,073 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="width: 87%; margin-left: 6%;"> <div style="width: 87%; margin-left: 6%;"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 9pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="left"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Customer relationships<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,733</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Non-compete agreements<sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Attest firm affiliation<sup style="font-size: 85%; vertical-align: top;">(3)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,629</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>27,289</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Fixed assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,500</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>831</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,640</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Unfavorable leasehold<sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(5,890</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Total purchase price </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 40,218</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="5"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of 12 years. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(2)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of 7 years. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(3)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of 18 years. Represents the benefits to be received from the Alternative Practice Structure arrangement and affiliation with attest clients. </font></td></tr></table></div></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="47%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Interest<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Interest<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Expense </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Expense </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Short-term: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Money-market deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>164,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,168</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">195,220 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,871 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Savings deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,030</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>107</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,460 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">128 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Checking deposits: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Interest-bearing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,947</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>94</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">24,190 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Non-interest-bearing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>279,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">200,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>286,243</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>94</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">224,286 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">IRAs and other time deposits: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Due in one year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">60,349 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">IRAs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>341,210</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">360,240 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>390,213</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,119</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">420,589 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,092 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 852,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 8,488</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 10,174 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in two years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,939</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,479 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in three years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,717</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,079 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in four years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,105 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in five years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,678</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING BALANCE SHEETS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s)  </font></div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>616,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,061,656</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,677,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents – restricted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>9,522</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>38,861</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>48,383</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>88</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>102,011</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>390,191</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>492,290</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Intangible assets and goodwill, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,214,164</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,214,164</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Investments in subsidiaries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13,613</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>469,461</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>807,166</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,290,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,713,256</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,682,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,512,070</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,605</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Customer deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>852,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>852,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term debt </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>998,965</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>50,789</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,049,754</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FHLB borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>25,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>25,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(26,769</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,858,004</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,831,413</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,263,504</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>24,173</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,287,677</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,449,574</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(191,399</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,890,954</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,449,574</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total liabilities and stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,713,256</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,682,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,512,070</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (2,699,605</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;"> </div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 702,021 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,102,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,804,045 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents – restricted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,160 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">28,190 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">105,192 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">412,737 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">517,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Intangible assets and goodwill, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,207,879 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,207,879 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Investments in subsidiaries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">231 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">231 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">19,014 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,782 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">722,626 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,074,422 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,295,668 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,741,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,473,798 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,276,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Customer deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,666 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term debt </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">998,605 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,035,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FHLB borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">75,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">75,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">48,775 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">153,154 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,629,060 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,830,989 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,806,263 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(431,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,374,567 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,440,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">93,831 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,182,766 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,440,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total liabilities and stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,295,668 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,741,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,473,798 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,276,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>     9,683</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  (153,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>656,291</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>512,503</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(138,824</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(138,824</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Maturities and payments received on AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,690</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>107</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,797</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(33</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(62,926</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(62,959</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(54,171</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(54,171</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>71,083</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>71,083</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans made to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>57,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>57,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,556</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,793</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>34,349</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(77,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(33,114</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(110,157</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(11,501</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(11,440</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(186,802</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(186,802</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repurchase of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(283,534</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(283,534</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>424</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>424</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,722</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(666,477</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>474</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(490</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,023</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,039</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(469,438</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>144,731</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(669,500</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,816</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(534,391</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Effects of exchange rates on cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase (decrease) in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(85,783</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(40,479</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(126,201</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>702,021</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,102,135</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(111</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,804,045</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>616,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,061,656</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,677,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 21,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 16,698 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 549,519 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 587,469 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(365 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,365 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Sales and maturities of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,119 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,758 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">72,832 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">72,832 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,623 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,623 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans made to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(89,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(89,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40,710 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40,710 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,493 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(41,980 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,513 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111,645 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(80,292 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,353 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,267,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(46 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,267,773 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,242,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,242,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,428 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(200,899 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(200,899 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repurchase of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(254,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(254,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,682 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,682 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">354,617 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(770,208 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,624 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(8,717 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(28,051 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(35,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(436,843 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,328 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(798,305 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">421,702 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(481,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Effects of exchange rates on cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,678 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,678 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase (decrease) in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">460,671 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(317,400 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">149,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">241,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,419,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,222 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,654,663 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 702,021 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,102,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,804,045 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;">  <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2009 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,835 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (13,225 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,033,829 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,024,439 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,217 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,092 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Sales and maturities of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,417 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,658 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,075 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">91,329 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">91,329 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(97,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(97,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(293,805 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(293,805 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18,865 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18,865 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Investing cash flows of discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">255,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">255,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,056 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">22,002 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">363,950 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(358,390 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of short-term borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,762,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,762,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from short-term borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,733,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,733,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">69,932 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">64,357 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(198,685 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(198,685 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisition of treasury shares </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(106,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(106,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from issuance of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">141,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">141,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,594 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,594 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(199,032 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">125,212 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Financing cash flows of discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,210 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,331 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(12,049 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,492 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(77,655 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(143,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">113,163 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,245 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(40,233 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">206,739 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">788,602 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">989,766 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">630,933 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(647 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">664,897 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 241,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,419,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (6,222 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,654,663 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table></div></div> <div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING INCOME STATEMENTS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 251,521</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,522,775</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>277,099</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,137,491</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,414,590</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>31,914</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>662,222</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>694,136</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>309,013</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,799,713</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,108,726</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(57,492</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>723,062</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>665,570</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,503</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,952</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(51,989</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>729,014</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(27,774</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>285,394</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,215</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>443,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,417</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(878</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (36,632</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>442,742</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;"> </div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 271,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,602,721 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (93 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">257,245 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,210,868 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(117 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,467,996 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">594,646 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">631,499 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">294,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,805,514 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(210 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,099,495 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(22,487 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">797,207 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">117 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">774,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,644 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,771 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(784,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,298 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(16,843 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">800,978 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,368 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">301,557 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">499,421 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,276 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,428 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">494,993 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2009 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 251,758 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,834,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,061 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 4,083,577 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">278,789 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,317,439 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,596,218 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,230 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">582,812 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(552 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">648,490 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">345,019 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,900,251 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(562 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,244,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93,261 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">934,629 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,499 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">838,869 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income (expense), net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,992 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,461 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(839,338 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">501 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(99,253 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">941,090 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(841,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">326,315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(40,386 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">367,660 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(327,274 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">326,315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">513,055 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(58,867 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">573,430 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(514,563 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">513,055 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(27,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(29,176 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29,176 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(27,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 485,673 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (88,043 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 573,430 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (485,387 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 485,673 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="50%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Credit Quality Indicators </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Purchased from SCC </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">All Other </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total Portfolio </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Occupancy status: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Owner occupied </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>249,048</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>136,380</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>385,428</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Non-owner occupied </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>108,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>78,780</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>187,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Documentation level: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Full documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>108,509</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>157,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>265,779</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Limited documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,146</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,355</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>34,501</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stated income </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>205,485</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,705</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>227,190</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">No documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,674</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,830</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>45,504</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Internal risk rating: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>151,522</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>151,879</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Medium </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,292</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,292</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,803</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,803</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="31%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="12%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">With Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">With No Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>190,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>54,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>244,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>75,373</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,340</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>24,575</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>209,414</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>59,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>268,649</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>80,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 288,309 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 22,552 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 310,861 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 77,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="51%"> </td> <td width="3%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest income: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>24,693</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,877 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">46,396 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Emerald Advance lines of credit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>94,300</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">77,891 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">91,019 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Investment securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,609</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,896 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13,551</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,319 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,205 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 134,153</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 122,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 154,516 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest expense: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>85,421</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">78,398 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83,193 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,488</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,174 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,069 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">FHLB advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,526</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,997 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,113 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>95,435</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">90,569 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">102,375 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b> </b></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="51%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">% of Total</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% of Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Adjustable-rate loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 333,828</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 411,122 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">60 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Fixed-rate loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>239,146</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>42</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">272,562 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>100</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">683,684 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">100 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Unamortized deferred fees and costs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,121</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,256 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Less: Allowance for loan losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>143,358</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>14,106</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>157,464</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">160,124 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">TDRs: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>329</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,506 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total non-accrual loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 160,642</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 191,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="font-family: 'Times New Roman',Times,serif;"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="36%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Less than 60<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">60 - 89 Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">90 + Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Days Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Current </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>37,371</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,882</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>132,326</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>174,579</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>183,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,250</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,594</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>20,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,390</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>182,770</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 47,621</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 6,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 152,872</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 206,969</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 366,005</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="29"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">No loans past due 90 days or more are still accruing interest. </font></td></tr></table></div></div></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Loan Loss Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% 30+ Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Principal Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% of Principal </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>81,396</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>22.7</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>41.7</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,691</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7" align="right">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;" colspan="7">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16.1</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>30.2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7" align="right">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;" colspan="7">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="46%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Pooled (less than 60 days past due) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>304,325</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">372,823 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,924 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Impaired: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Individually (TDRs) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>106,328</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,056</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">144,977 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,915 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Individually (60 days or more past due) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>162,321</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>69,793</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">165,884 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 683,684 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="63%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">For the Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Average impaired loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 252,673</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>37,082</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>289,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 307,351 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 216,391 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest income on impaired loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,795</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>829</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,624</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,548 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,964 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest income on impaired loans recognized on a<br />cash basis on non-accrual status: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,567</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>744</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,311</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,452 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,927 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="62%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Emerald Advance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Client<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Lines of Credit </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Receivables - RALs </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Credit Quality Indicator – Year of origination: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2011 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>28,800</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,236</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>446</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2009 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,443</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2008 and prior </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,722</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,551</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Revolving loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,063</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 53,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 8,267</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="35%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fourth Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Third Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Second Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">First Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FISCAL YEAR 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid per share </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.60</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stock price range: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.99</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.00</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 13.79</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 15.97</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.99</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.13</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12.46</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.13</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13.44</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FISCAL YEAR 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid per share </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.60 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stock price range: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23.23 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21.84 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23.23 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">20.00 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17.85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">13.73 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15.90 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18.10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16.41 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">13.73 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr></table> <div style="font-family: 'Times New Roman',Times,serif;"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Business Services receivables </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 281,847</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 326,681 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Loans to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>62,181</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">55,047 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables for tax preparation and related fees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>38,930</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45,248 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Emerald Advance lines of credit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>31,645</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57,914 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Royalties from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,645</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,845 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Tax client receivables related to RALs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,412</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,646 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>131,096</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">120,080 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>559,756</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">630,461 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Allowance for doubtful accounts </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>492,290</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">517,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table></div> <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> </div></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="92%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Three months or less </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>480</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Three to six months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,929</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Six to twelve months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,011</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Over twelve months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,883</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  7,303</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr></table> 0.0278 0.0304 0.0346 0.0355 0.0480 0.0517 0.0267 0.0235 0.0265 0.0324 0.0386 0.0418 14500000 14700000 0 17.85 13.73 23.23 13.73 20.00 16.41 23.23 18.10 21.84 15.90 18.99 13.44 18.99 10.13 15.97 10.13 13.79 11.15 18.00 12.46 360240000 341210000 60349000 49003000 1.00 1.00 <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">TREASURY SHARES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Shares of common stock repurchased by us are recorded, at cost, as treasury shares and result in a reduction of stockholders' equity. We reissue treasury shares as part of our stock-based compensation programs or for acquisitions. When shares are reissued, we determine the cost using the average cost method. Periodically, we may permanently retire shares held in treasury as determined by our Board of Directors. </font></p></div></div> -2362000 924000 1057000 1772000 4000000000 2900000000 6300000000   <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 17: </font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">VARIABLE INTERESTS</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The following is a description of our financial interests in VIEs which we consider significant or where we are the sponsor. For these VIEs we have determined that we are not the primary beneficiary and, therefore have not consolidated the VIEs. Prior to implementation of this new guidance we did not consolidate these entities. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">McGladrey & Pullen LLP</font></b> – McGladrey & Pullen LLP (M&P) is a limited liability partnership, owned <font class="_mt">100</font>% by certified public accountants (CPAs), which provides attest services to middle market clients. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Under state accountancy regulations, a firm cannot provide attest services unless it is properly licensed which requires that the firm be majority-owned and controlled by licensed CPAs. As such, RSM McGladrey, Inc. (RSM) cannot be a licensed CPA firm and cannot provide attest services. Since 1999, RSM and M&P have operated in what <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><font style="font-size: 9pt;" class="_mt">is known as an "alternative practice structure" (APS). Through the APS, RSM and M&P offer clients a full range of attest and non-attest services in compliance with applicable accountancy regulations. </font></div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">An administrative services agreement between RSM and M&P obligates RSM to provide M&P with administrative services, information technology, office space, non-professional staff, and other infrastructure in exchange for market rate fees from M&P. In addition, the agreement allows for professional staff to be <font style="white-space: nowrap;" class="_mt">sub-contracted</font> between RSM and M&P at market rates. During fiscal years 2011 and 2010, we received $<font class="_mt">4.1</font> million and $<font class="_mt">22.6</font> million, respectively, in management fee revenues from M&P. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">All partners of M&P, with the exception of M&P's Managing Partner, are also managing directors employed by RSM. Approximately <font class="_mt">84</font>% of RSM's managing directors are also partners in M&P. Certain other personnel are also employed by both M&P and RSM. M&P partners receive distributions of M&P's earnings in their capacity as partners, as well as compensation from RSM in their capacity as managing directors. Distributions to M&P partners are based on the profitability of M&P and are not capped by the APS. The aggregate compensation payable to RSM managing directors by RSM in any given year generally equals <font class="_mt">67</font> percent of the combined profits of M&P and RSM less any amounts paid in their capacity as M&P partners. In practice, this means that variability in the amounts paid to RSM managing directors under these contracts can cause variability in RSM's operating results. RSM is not entitled to any profits or residual interests of M&P, nor is it obligated to fund losses or capital deficiencies of M&P. Managing directors of RSM have historically participated in stock-based compensation plans of H&R Block. Beginning in fiscal 2011, participation in those plans ceased and were replaced by a non-contributory, non-qualified defined contribution plan. RSM is required to pay $<font class="_mt">60.0</font> million over five years to fund contributions to the retirement plan. The administrative services agreement with M&P and compensation arrangements between RSM and their managing directors represent a variable interest in M&P. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We have concluded that RSM is not the primary beneficiary of M&P and, therefore, we have not consolidated M&P. RSM does not have an equity interest in M&P, nor does it have the power to direct any activities of M&P and does not receive any of its income. We have no assets or liabilities included in our consolidated balance sheets related to our variable interests. We believe RSM's maximum exposure to economic loss, resulting from various agreements with M&P, relates primarily to shared office space from operating leases under the administrative services agreement equal to $<font class="_mt">94.8</font> million at April 30, 2011, and variability in our operating results due to the compensation agreements with RSM managing directors. We do not provide any support that is not contractually required. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">Securitization Trusts</font></b> – SCC holds an interest in and is the sponsor (issuer) of 56 REMIC Trusts and 14 NIM Trusts (collectively, "Trusts") related to previously originated mortgage loans that were securitized. These Trusts are variable interest entities. The REMIC Trusts hold static pools of <font style="white-space: nowrap;" class="_mt">sub-prime</font> residential mortgage loans. The NIM Trusts hold beneficial interests in certain REMIC Trusts. The Trusts were designed to collect and pass through to the beneficial interest holders the cash flows of the underlying mortgage loans. The REMIC Trusts were financed with bonds and equity. The NIM Trusts were financed with notes and equity. All bonds and notes are held by third-party investors. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our identification of the primary beneficiary of the Trusts was based on a determination that the servicer of the underlying mortgage loans has the power to direct the most significant activities of the Trusts because the servicer handles all of the loss mitigation activities for the mortgage loans. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">SCC is not the servicer of the mortgage loans underlying the REMIC Trusts. Therefore, SCC is not the primary beneficiary of the REMIC Trusts because it does not have the power to direct the most significant activities of the REMIC Trusts, which is the servicing of the underlying mortgage loans. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">SCC does have the exclusive right to appoint a servicer when certain conditions have been met for specific loans related to two of the NIM Trusts. As of April 30, 2011, those conditions have been met for a minority portion of the loans underlying those Trusts. As this right pertains only to a minority of the loans, we have concluded that SCC does not have the power to direct the most significant activities of these two NIM Trusts, as the servicer has the power to direct significant activities over the majority of the mortgage loans. In the remaining NIM Trusts, SCC has a shared right to appoint a servicer under certain conditions. For these NIM Trusts, we have concluded that SCC is not the primary beneficiary because the power to direct the most significant activities, which is the servicing of the underlying mortgage loans, is shared with other unrelated parties. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">At April 30, 2011, we had no significant assets or liabilities included in our consolidated balance sheets related to SCC's variable interests in the Trusts. We have a liability, as discussed in note 18, and a deferred tax asset recorded in our consolidated balance sheets related to obligations for representations and warranties SCC made in connection with the transfer of mortgage loans, including mortgage loans held by the securitization trusts. We have no remaining exposure to economic loss arising from impairment of SCC's beneficial interest in the Trusts. If SCC receives cash flows in the future as a holder of beneficial interests we would record gains as other income in our income statement. Neither we nor SCC has liquidity arrangements, guarantees or other commitments for the Trusts, nor has any support been provided that was not contractually required.</div></div>

517986000

105192000

57000

412737000

492290000

102011000

88000

390191000

459175000

458910000

756577000

618070000

657008000

677220000

1678000

11233000

832604000

812666000

32600000

29369000

14500000

24998000

249200000

254800000

264200000

32600000

29400000

14500000

112475000

65041000

35239000

4000

12191000

67466000

63066000

4400000

93535000

68696000

8915000

15924000

92087000

10691000

69793000

11056000

11238000

81396000

-54000

-88000

-272000

25279000

38376000

37287000

24900000

30000000

29500000

15700000

13700000

12800000

5359722000

897250000

2344997000

2117475000

126800000

5234318000

1741560000

806688000

2148469000

2279161000

-3276708000

166800000

3295668000

3473798000

5207961000

1682240000

851764000

2088961000

2267236000

-2699605000

206300000

2713256000

3512070000

2649036000

2477731000

33322000

1854000

23026000

8442000

166305000

157970000

8335000

1900000

2200000

2328000

3112000

3331000

157970000

158177000

166305000

3023000

3081000

166917000

31948000

31000

23016000

8901000

166917000

158177000

8740000

700000

1300000

498000

39000

459000

806000

401000

405000

300000

500000

1872000

1823000

49000

194000

15700000

35900000

38800000

161460000

154519000

3800000

1900000

200000

2500000

12600000

10300000

32600000

287500000

19100000

279200000

40218000

7629000

6733000

2766000

27289000

831000

1640000

2500000

<font style="widows: 2; text-transform: none; text-indent: 0px; border-collapse: separate; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="_mt"> </font> <div style="font-family: 'Times New Roman', Times, serif;"> <div style="margin-top: 12pt; font-size: 10pt;" align="left"> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> </font> </p> <div> <div> <strong><font style="font-family: Arial;" class="_mt">NOTE 2: BUSINESS COMBINATIONS AND DISPOSALS</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Effective July 20, 2010, our Business Services segment acquired certain non-attest assets and liabilities of Caturano & Company, Inc. (Caturano), a Boston-based accounting firm, for an aggregate purchase price of $40.2 million. We expect this acquisition to expand our presence in the Boston market. We made cash payments of $<font class="_mt">32.6</font> million, including $<font class="_mt">29.8</font> million at closing. Payment of the remaining purchase price is deferred and will be paid over the next <font class="_mt">13</font> years. The following table summarizes the fair value of identifiable assets acquired and liabilities assumed and the resulting goodwill: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 9pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="92%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="left"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Customer relationships<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,733</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Non-compete agreements<sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Attest firm affiliation<sup style="font-size: 85%; vertical-align: top;">(3)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,629</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>27,289</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Fixed assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,500</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>831</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,640</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Unfavorable leasehold<sup style="font-size: 85%; vertical-align: top;">(2)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(5,890</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 9pt;">Total purchase price </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 40,218</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="5"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of <font class="_mt">12</font> years. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(2)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of <font class="_mt">7</font> years. </font></td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(3)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Estimated life of <font class="_mt">18</font> years. Represents the benefits to be received from the Alternative Practice Structure arrangement and affiliation with attest clients. </font></td></tr></table> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 99%; margin-left: 0%; font-size: 3pt; align: left;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In connection with the acquisition a deferred compensation plan, an employee retention program and a performance bonus plan were put in place for eligible employees. Expenses related to these plans will be treated as compensation and will be expensed as incurred. We incurred expenses totaling $<font class="_mt">2.6</font> million under these plans during fiscal year 2011. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div>In October 2010, we signed a definitive merger agreement to acquire all of the outstanding shares of 2SS Holdings, Inc. ("2SS"), developer of TaxACT digital tax preparation solutions, for $<font class="_mt">287.5</font> million in cash. Completion of the transaction is subject to the satisfaction of customary closing conditions, including regulatory approval. In May 2011, the United States Department of Justice (the "DOJ") filed a civil antitrust lawsuit to block our proposed acquisition of 2SS. On June 21, 2011, the parties to the merger agreement signed an amendment to the merger agreement. There are no assurances that the DOJ's lawsuit will be resolved in our favor or that the transaction will be consummated. </div> <div>During fiscal years 2011, 2010 and 2009, we sold certain retail tax offices to existing franchisees for cash proceeds of $<font class="_mt">65.6</font> million, $<font class="_mt">65.7</font> million and $<font class="_mt">16.9</font> million, respectively, and recorded gains on these sales of $<font class="_mt">45.1</font> million, $<font class="_mt">49.0</font> million and $<font class="_mt">14.9</font> million, respectively. </div></div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Effective November 3, 2008, we acquired the assets and franchise rights of our last major independent franchise operator for an aggregate purchase price of $<font class="_mt">279.2</font> million. Goodwill recognized on this transaction is included in the Tax Services segment and is deductible for tax purposes. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal years 2011, 2010 and 2009, we made other acquisitions, which were accounted for as purchases with cash payments totaling $<font class="_mt">19.1</font> million, $<font class="_mt">10.3</font> million and $<font class="_mt">12.6</font> million, respectively. Operating results of the acquired businesses, which are not material, are included in the consolidated income statements since the date of acquisition. During fiscal years 2011, 2010 and 2009 we also paid $<font class="_mt">2.5</font> million, $<font class="_mt">0.2</font> million and $<font class="_mt">1.9</font> million, respectively, for contingent payments on prior acquisitions. </div></div></div></div></div></div></div>

420401000

405000000

147104000

156108000

47844000

47842000

11526000

10953000

16426000

12786000

31418000

35056000

44436000

35019000

0.080

55545000

43773000

0.100

0.757

0.925

664897000

34611000

-647000

630933000

1654663000

241350000

-6222000

1419535000

1804045000

702021000

-111000

1102135000

1677844000

616238000

-50000

1061656000

989766000

206739000

-5575000

788602000

149382000

460671000

6111000

-317400000

-126201000

-85783000

61000

-40479000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CASH AND CASH EQUIVALENTS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Cash and cash equivalents include cash on hand, cash due from banks and federal funds sold. For purposes of the consolidated balance sheets and consolidated statements of cash flows, all non-restricted highly liquid instruments purchased with an original maturity of three months or less are considered to be cash equivalents. We present cash flow activities utilizing the indirect method. Book overdrafts included in accounts payable totaled $38.8 million and $35.9 million at April 30, 2011 and 2010, respectively. </font></p></div></div>

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CASH AND CASH EQUIVALENTS – RESTRICTED </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Cash and cash equivalents — restricted consists primarily of cash held by H&R Block Bank (HRB Bank) required for regulatory compliance and cash held by our captive insurance subsidiary that will be used to pay claims. </font></p></div></div>

4783000

255066000

97578000

  <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td style="width: 203px;"><b><font style="font-family: Arial, Helvetica;" class="_mt"><font class="_mt"><b><font style="font-family: Arial, Helvetica;" class="_mt">NO</font></b></font>TE 18: </font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">COMMITMENTS AND CONTINGENCIES</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We offer guarantees under our POM program to tax clients whereby we will assume the cost of additional tax assessments, up to a cumulative per client limit of $<font class="_mt">5,500</font>, attributable to tax return preparation error for which we are responsible. We defer all revenues and direct costs associated with these guarantees, recognizing these amounts over the term of the guarantee based on historical and actual payment of claims. The related current asset is included in prepaid expenses and other current assets. The related liability is included in accounts payable, accrued expenses and other current liabilities in the consolidated balance sheets. The related noncurrent asset and liability are included in other assets and other noncurrent liabilities, respectively, in the consolidated balance sheets. A loss on these POM guarantees would be recognized if the sum of expected costs for services exceeded unearned revenue. The changes in the deferred revenue liability for fiscal years 2011 and 2010 are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>141,542</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">146,807 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Amounts deferred for new guarantees issued </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>77,474</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">74,889 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Revenue recognized on previous deferrals </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(78,413</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(80,154 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 140,603</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 141,542 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In addition to amounts accrued for our POM guarantee, we had accrued $<font class="_mt">14.7</font> million and $<font class="_mt">14.5</font> million at April 30, 2011 and 2010, respectively, related to our standard guarantee which is included with our standard tax preparation services. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal year 2009, we entered into an agreement to purchase $<font class="_mt">45.8</font> million in media advertising between July 1, 2009 and June 30, 2013. At April 30, 2011, our remaining obligation totaled $<font class="_mt">9.5</font> million. We expect to make payments totaling $<font class="_mt">6.7</font> million during fiscal year 2012. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We have various contingent purchase price obligations for acquisitions prior to May 2009. In many cases, contingent payments to be made in connection with these acquisitions are not subject to a stated limit. We estimate the potential payments (undiscounted) for which we have not recorded a liability total $<font class="_mt">3.8</font> million as of April 30, 2011. We have recorded liabilities totaling $<font class="_mt">11.0</font> million in conjunction with contingent payments related to more recent acquisitions, 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. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We have contractual commitments to fund certain franchises requesting Franchise Equity Lines of Credit (FELCs). Our total obligation under these lines of credit was $<font class="_mt">85.2</font> million at April 30, 2011, and net of amounts drawn and outstanding, our remaining commitment to fund totaled $<font class="_mt">37.7</font> million. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We are self-insured for certain risks, including, workers' compensation, property and casualty, professional liability and claims related to our POM program. These programs maintain various self-insured retentions. In all but POM, commercial insurance is purchased in excess of the self-insured retentions. We accrue estimated losses for self-insured retentions using actuarial models and assumptions based on historical loss experience. The nature of our business may subject us to error and omissions, casualty and professional liability lawsuits. To the extent that we are subject to claims exceeding our insurance coverage, such suits could have a material effect on our financial position, results of operations or liquidity. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We issued three standby letters of credit to servicers paying claims related to our POM, errors and omissions, and property and casualty insurance policies. These letters of credit are for amounts not to exceed $<font class="_mt">5.3</font> million in the aggregate. At April 30, 2011, there were no balances outstanding on these letters of credit. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our self-insured health benefits plan provides medical benefits to employees electing coverage under the plan. We maintain a reserve for incurred but not reported medical claims and claim development. The reserve is an estimate based on historical experience and other assumptions, some of which are subjective. We adjust our self-insured medical benefits reserve as our loss experience changes due to medical inflation, changes in the number of plan participants and an aging employee base. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal year 2006, we entered into a transaction with the City of Kansas City, Missouri, to provide us with sales and property tax savings on the furniture, fixtures and equipment for our corporate headquarters facility. Under the transaction, the City purchased equipment by issuing $<font class="_mt">31.0</font> million in Industrial Revenue Bonds due in <font class="_mt">December 2015</font>, and leased the furniture, fixtures and equipment to us for an identical term under a capital lease. The City's bonds were purchased by us. Because the City has assigned the lease to the bond trustee for our benefit as the sole bondholder, we, in effect, control enforcement of the lease against ourselves. As a result of the capital lease treatment, the furniture, fixtures and equipment will remain a component of property, plant and equipment in our consolidated balance sheets. As a result of the legal right of offset, the capital lease obligation and the corresponding bond investments have been eliminated in consolidation. The transaction provides us with property tax exemptions for the leased furniture, fixtures and equipment. As of April 30, 2011, we have purchased $31.0 million in bonds in connection with this arrangement. <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Substantially all of the operations of our subsidiaries are conducted in leased premises. Most of the operating leases are for periods ranging from <font class="_mt">three</font> years to <font class="_mt">five</font> years, with renewal options and provide for fixed monthly rentals. Future minimum operating lease commitments of our continuing operations at April 30, 2011, are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="89%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2012 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>238,167</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2013 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>181,044</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2014 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>128,063</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2015 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>84,138</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2016 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,942</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">2017 and beyond </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>67,694</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 735,048</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="9"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Rent expense of our continuing operations for fiscal years 2011, 2010 and 2009 totaled $<font class="_mt">272.1</font> million, $<font class="_mt">289.6</font> million and $<font class="_mt">308.1</font> million, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In the regular course of business, we are subject to routine examinations by federal, state and local taxing authorities. In management's opinion, the disposition of matters raised by such taxing authorities, if any, would not have a material impact on our consolidated financial statements. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We routinely enter into contracts that include embedded indemnifications that have characteristics similar to guarantees. Other 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 is 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 these guarantees and indemnifications is not material as of April 30, 2011. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">DISCONTINUED OPERATIONS</font></b> – SCC, previously known as Option One Mortgage Corporation, 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. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In connection with the securitization and sale of loans, SCC made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of lien securing the loan, and the loan's compliance with SCC's underwriting criteria. Representations and warranties in whole loan sale transactions to institutional investors included a "knowledge qualifier" which limits SCC liability for borrower fraud to those instances where SCC had knowledge of the fraud at the time the loans were sold. 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, SCC may be obligated to repurchase a loan or otherwise indemnify certain parties for losses incurred as a result of loan liquidation. Generally, these representations and warranties are not subject to a stated term, but would be subject to statutes of limitation applicable to the contractual provisions. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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, borrower fraud and credit exceptions without sufficient compensating factors. Claims received since May 1, 2008 follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 7pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="33%"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in millions) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="52" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td style="border-bottom: #000000 1px solid;" valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Q4 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="52" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Loan Origination Year: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2005 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2006 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">89 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">100 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">519 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">2007 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">– </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="51"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Total </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 172 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 41 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 197 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 22 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 45 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 109 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 21 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 33 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 55 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 795 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="51"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="53"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Note:  The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below. </font></div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 6pt; align: left;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">For claims received, reviewed and determined to be valid, SCC has complied with its obligations by either repurchasing the mortgage loans or REO properties, providing for the reimbursement of losses in connection with liquidated REO properties, or reaching other settlements. SCC has denied approximately <font class="_mt">84</font>% of all claims received, excluding resolution reached under other settlements. Counterparties could reassert claims that SCC has denied. Of claims determined to be valid, approximately <font class="_mt">22</font>% resulted in loan repurchases, and <font class="_mt">78</font>% resulted in indemnification or settlement payments. Losses on loan repurchase, indemnification and settlement payments totaled approximately $<font class="_mt">117</font> million for the period May 1, 2008 through April 30, 2011. Loss severity rates on repurchases and indemnification have approximated <font class="_mt">57</font>% 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 consolidated balance sheets. The net balance of all mortgage loans held for sale by SCC was $<font class="_mt">12.3</font> million at April 30, 2011. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">SCC generally has 60 to 120 days to respond to representation and warranty claims and performs a <font style="white-space: nowrap;" class="_mt">loan-by-loan</font> review of all repurchase claims during this time. SCC has completed its review of all claims, with the exception of claims totaling approximately $<font class="_mt">79</font> million, which remained subject to review as of April 30, 2011. Of the claims still subject to review, approximately $<font class="_mt">25</font> million are from private-label securitizations, and $<font class="_mt">53</font> million are from monoline insurers, with the remainder from government sponsored entities. Approximately $<font class="_mt">30</font> million of claims under review represent requests by the counterparty for additional information related to denied claims, or are a reassertion of previously denied claims. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">All claims asserted against SCC since May 1, 2008 relate to loans originated during calendar years 2005 through 2007, of which, approximately <font class="_mt">89</font>% relate to loans originated in calendar years 2006 and 2007. During calendar year 2005 through 2007, SCC originated approximately $<font class="_mt">84</font> billion in loans, of which less than <font class="_mt">1</font>% were sold to government sponsored entities. SCC is not subject to loss on loans that have been paid in full, repurchased, or were sold without recourse. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The majority of claims asserted since May 1, 2008, which have been 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. 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. The balance of loans originated in 2005, 2006 and 2007 which defaulted in the first two years is $<font class="_mt">4.0</font> billion, $<font class="_mt">6.3</font> billion and $<font class="_mt">2.9</font> billion, respectively, at April 30, 2011. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">SCC has recorded a liability for estimated contingent losses related to representation and warranty claims as of April 30, 2011, of $126.3 million, which represents SCC's best estimate of the probable loss that may occur. During the current year, payments totaling $<font class="_mt">49.8</font> million were made 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. We have no remaining payment obligations under this indemnity agreement. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The recorded liability represents SCC's estimate of losses from future claims where assertion of a claim and a related contingent loss are both deemed probable. Because the rate at which future claims may be deemed 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 <font class="_mt">1</font>% increase in both assumed validity rates and loss severities would result in losses beyond SCC's accrual of approximately $<font class="_mt">16</font> 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 may or may not counteract the sensitivity. <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">While SCC uses 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 difficult to estimate and require considerable management judgment. Although net losses on settled claims since May 1, 2008 have been within initial loss estimates, 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 differ in the future from current estimates, future losses may be greater than the current estimates and those differences may be significant. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">A rollforward of our liability for losses on repurchases for fiscal years 2011, 2010 and 2009 is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="55%"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of May 1: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>138,415</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">156,659 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">193,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,785</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,936 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>188,200</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">206,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">243,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Provisions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Losses on repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,155</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(18,244 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(36,407 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments under indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(49,785</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(151 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(64 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to repurchase and indemnifications </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>126,260</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">138,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">156,659 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Amount related to indemnity agreement dated April 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,785 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">49,936 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 126,260</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 188,200 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 206,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">There have been no provisions for additional losses included in the income statement since April 30, 2008. </div></div></div></div>

0.59

0.6

0.45

0.15

0.6

0.15

0.6

0.15

0.01

800000000

431390599

412440559

4314000

4124000

471548000

492559000

415665000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CONCENTRATIONS OF RISK </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> The overall credit quality of our mortgage loans held for investment is impacted by the strength of the U.S. economy and local economies. 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 59% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California, New York and Wisconsin. </font></p></div></div>

0.62

0.772

<p style="margin-top: 0px; margin-bottom: 0px;"> </p> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><font style="font-family: Arial, Helvetica;" class="_mt"><strong>NOTE 23: CONDENSED CONSOLIDATING FINANCIAL STATEMENTS</strong><font class="_mt" style="font-family: Times New Roman;"> </font></font></td> <td align="left"> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">BFC is an indirect, wholly-owned consolidated subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the Senior Notes issued on January 11, 2008 and October 26, 2004, the CLOCs and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings of subsidiaries are, therefore, reflected in the Company's investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders' equity and other intercompany balances and transactions. </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING INCOME STATEMENTS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></div> <p style="margin-top: 0px; margin-bottom: 0px;"> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 251,521</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,522,775</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>277,099</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,137,491</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,414,590</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>31,914</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>662,222</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>694,136</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>309,013</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,799,713</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,108,726</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(57,492</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>723,062</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>665,570</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,503</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,952</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(51,989</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>729,014</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(27,774</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>285,394</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,215</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>443,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,417</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(878</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (36,632</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>442,742</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;"> </div> <p style="margin-top: 0px; margin-bottom: 0px;"> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 271,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,602,721 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (93 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">257,245 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,210,868 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(117 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,467,996 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">594,646 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">631,499 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">294,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,805,514 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(210 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,099,495 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(22,487 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">797,207 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">117 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">774,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,644 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,771 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(784,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,298 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(16,843 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">800,978 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,368 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">301,557 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">499,421 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,276 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,428 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">494,993 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2009 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 251,758 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,834,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,061 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 4,083,577 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cost of revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">278,789 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,317,439 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,596,218 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Selling, general and administrative </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,230 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">582,812 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(552 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">648,490 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">345,019 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,900,251 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(562 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,244,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Operating income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93,261 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">934,629 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,499 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">838,869 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other income (expense), net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,992 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,461 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(839,338 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">501 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(99,253 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">941,090 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(841,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">326,315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(40,386 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">367,660 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(327,274 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">326,315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">513,055 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(58,867 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">573,430 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(514,563 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">513,055 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(27,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(29,176 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29,176 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(27,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 485,673 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (88,043 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 573,430 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (485,387 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 485,673 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING BALANCE SHEETS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s)  </font></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>616,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,061,656</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,677,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents – restricted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>9,522</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>38,861</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>48,383</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>88</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>102,011</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>390,191</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>492,290</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Intangible assets and goodwill, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,214,164</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,214,164</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Investments in subsidiaries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13,613</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>469,461</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>807,166</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,290,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,713,256</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,682,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,512,070</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,605</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Customer deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>852,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>852,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term debt </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>998,965</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>50,789</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,049,754</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FHLB borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>25,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>25,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(26,769</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,858,004</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,831,413</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,263,504</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>24,173</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,287,677</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,449,574</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(191,399</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,890,954</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,699,555</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,449,574</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total liabilities and stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,713,256</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,682,240</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,512,070</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (2,699,605</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 702,021 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,102,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,804,045 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash & cash equivalents – restricted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,160 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">28,190 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">105,192 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">412,737 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">517,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Intangible assets and goodwill, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,207,879 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,207,879 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Investments in subsidiaries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">231 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">231 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">19,014 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,782 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">722,626 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,074,422 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,295,668 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,741,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,473,798 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,276,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Customer deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,666 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term debt </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">998,605 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,035,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FHLB borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">75,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">75,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other liabilities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">48,775 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">153,154 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,629,060 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,830,989 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,806,263 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(431,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,374,567 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,440,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">93,831 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,182,766 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,276,597 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,440,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Total liabilities and stockholders' equity </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,295,668 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,741,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,473,798 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (3,276,708 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica; font-size: 14pt;" class="_mt">CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="5%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="7%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2011 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>     9,683</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  (153,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>656,291</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>512,503</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(138,824</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(138,824</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Maturities and payments received on AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,690</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>107</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,797</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58,471</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(33</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(62,926</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(62,959</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(54,171</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(54,171</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>71,083</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>71,083</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans made to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,455</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>57,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>57,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,556</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,793</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>34,349</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(77,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(33,114</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(110,157</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,818,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(11,501</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(11,440</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(186,802</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(186,802</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repurchase of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(283,534</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(283,534</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>424</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>424</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,722</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(666,477</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>474</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(490</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,023</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,039</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(469,438</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>144,731</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(669,500</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,816</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(534,391</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Effects of exchange rates on cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase (decrease) in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(85,783</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(40,479</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(126,201</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>702,021</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,102,135</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(111</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,804,045</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>616,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,061,656</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(50</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,677,844</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2010 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 21,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 16,698 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 549,519 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 587,469 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(365 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,365 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Sales and maturities of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,119 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,758 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">72,832 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">72,832 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,623 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">66,623 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans made to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(89,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(89,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40,710 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40,710 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,493 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(41,980 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,513 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111,645 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(80,292 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,353 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from commercial paper </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,406,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,267,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(46 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,267,773 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from other borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,242,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,242,727 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,428 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(200,899 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(200,899 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repurchase of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(254,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(254,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,682 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,682 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">354,617 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(770,208 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">415,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,624 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(8,717 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(28,051 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(35,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(436,843 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,328 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(798,305 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">421,702 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(481,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Effects of exchange rates on cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,678 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,678 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase (decrease) in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">460,671 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(317,400 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">149,382 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">241,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,419,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,222 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,654,663 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 702,021 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,102,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (111 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,804,045 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 12pt; font-size: 1pt;">  <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"> </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block, Inc.<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">BFC<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Consolidated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, 2009 </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Guarantor) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(Issuer) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Subsidiaries </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Elims </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">H&R Block </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) operating activities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,835 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (13,225 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,033,829 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,024,439 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from investing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,217 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,092 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Sales and maturities of AFS securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,417 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,658 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,075 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage loans held for investment, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">91,329 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">91,329 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchases of property & equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(97,837 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(97,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Payments for business acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(293,805 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(293,805 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from sales of businesses, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18,865 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18,865 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Investing cash flows of discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">255,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">255,066 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,056 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">22,002 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) investing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">363,950 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(358,390 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,560 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash flows from financing: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Repayments of short-term borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,762,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,762,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from short-term borrowings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,733,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,733,294 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Customer banking deposits, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">69,932 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">64,357 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(198,685 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(198,685 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisition of treasury shares </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(106,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(106,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from issuance of common stock </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">141,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">141,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Proceeds from stock options </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,594 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,594 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net intercompany advances </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(199,032 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">125,212 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">73,820 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Financing cash flows of discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other, net </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,210 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,331 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(12,049 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">11,492 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net cash provided by (used in) financing activities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(77,655 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(143,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">113,163 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,245 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(40,233 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net increase in cash </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">206,739 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">788,602 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">989,766 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">630,933 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(647 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">664,897 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Cash – end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 241,350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,419,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (6,222 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 1,654,663 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table></div>

3902000

4374000

1883000

2011000

480000

2929000

2596218000

278789000

-10000

2317439000

2467996000

257245000

-117000

2210868000

2414590000

277099000

2137491000

3244708000

345019000

-562000

2900251000

3099495000

294191000

-210000

2805514000

3108726000

309013000

2799713000

243085000

92992000

188086000

1393000

16052000

21456000

282896000

132669000

254610000

38418000

23625000

45068000

852555000

852666000

-111000

852220000

852270000

-50000

3688000

3437000

0.05125

0.07875

135500000

152700000

36739000

128900000

-799000

98000

172000

288000

43419000

162520000

3010000

146807000

141542000

140603000

74889000

77474000

-80154000

-78413000

6582000

33448000

3521000

144507000

150876000

25595000

23166000

142136000

134669000

354509000

339848000

147000000

21100000

181029000

117178000

173480000

222670000

17554000

61891000

71970000

73398000

164783000

102587000

1745000

47300000

151838000

94261000

6337000

4734000

124918000

139963000

206036000

200445000

10731000

26700000

24000000

22300000

224286000

286243000

200000

<div style="width: 87%; margin-left: 6%;"> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 10: CUSTOMER BANKING DEPOSITS</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The components of customer banking deposits at April 30, 2011 and 2010 and the related interest expense recorded during the periods are as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="47%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Interest<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Interest<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Expense </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Expense </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Short-term: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Money-market deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>164,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,168</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">195,220 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,871 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Savings deposits </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,030</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>107</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,460 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">128 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Checking deposits: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Interest-bearing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,947</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>94</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">24,190 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Non-interest-bearing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>279,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">200,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>286,243</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>94</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">224,286 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">IRAs and other time deposits: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Due in one year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">60,349 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">IRAs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>341,210</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">360,240 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>390,213</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,119</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">420,589 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,092 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 852,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 8,488</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 852,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 10,174 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in two years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,939</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,479 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in three years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,717</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,079 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in four years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,105 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Due in five years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,678</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,664 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Accrued but unpaid interest on deposits totaled $<font class="_mt">0.2</font> million at April 30, 2011 and 2010. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Time deposit accounts totaling $7.3 million were in excess of Federal Deposit Insurance Corporation (FDIC) insured limits at April 30, 2011, and mature as follows: </div> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="92%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="center">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="4" align="center"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Three months or less </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>480</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Three to six months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,929</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Six to twelve months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,011</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Over twelve months </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,883</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  7,303</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr></table></div>

863898000

195220000

164734000

12460000

11030000

96600000

23400000

96900000

21800000

92200000

18800000

123631000

36748000

7468000

79415000

126901000

33064000

5314000

88523000

121633000

30692000

3275000

87666000

 <strong><font style="font-family: Arial;" class="_mt">NOTE 14: STOCK-BASED COMPENSATION</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We utilize the fair value method to account for stock-based awards. Stock-based compensation expense of $<font class="_mt">14.5</font> million, $<font class="_mt">29.4</font> million and $<font class="_mt">32.6</font> million was recorded in fiscal years 2011, 2010 and 2009, respectively, net of related tax benefits of $<font class="_mt">5.4</font> million, $<font class="_mt">10.5</font> million and $<font class="_mt">12.2</font> million, respectively. Stock-based compensation <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">expense of our continuing operations totaled $14.5 million, $29.3 million and $26.6 million in fiscal years 2011, 2010 and 2009, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Accounting standards require excess tax benefits from stock-based compensation to be included as a financing activity in the statements of cash flows. As a result, we classified $<font class="_mt">0.5</font> million, $<font class="_mt">1.6</font> million and $<font class="_mt">8.6</font> million as cash inflows from financing activities for fiscal years 2011, 2010 and 2009, respectively. We realized tax benefits of $<font class="_mt">4.4</font> million, $<font class="_mt">6.6</font> million and $<font class="_mt">20.2</font> million in fiscal years 2011, 2010 and 2009, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We have four stock-based compensation plans which have been approved by our shareholders. As of April 30, 2011, we had <font class="_mt">11.5</font> million shares reserved for future awards under stock-based compensation plans. We issue shares from our treasury stock to satisfy the exercise or release of stock-based awards. We believe we have adequate treasury stock to issue for the exercise or release of stock-based awards. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our 2003 Long-Term Executive Compensation Plan provides for awards of options (both incentive and nonqualified), nonvested shares, performance nonvested share units and other stock-based awards to employees. These awards entitle the holder to shares or the right to purchase shares of common stock as the award vests, typically over a three-year or four-year period with a portion vesting each year. Historically, nonvested shares have received dividends during the vesting period, however awards granted after October 1, 2010 will no longer receive dividends during the vesting period. Performance nonvested share units receive cumulative dividends at the end of the vesting period. We measure the fair value of options on the grant date or modification date using the Black-Scholes option valuation model. We measure the fair value of nonvested shares and performance nonvested share units based on the closing price of our common stock on the grant date. Generally, we expense the grant-date fair value, net of estimated forfeitures, over the vesting period on a straight-line basis. Awards granted to employees who are of retirement age or early retirement age (age 65 or age 55 and ten years of service) or reach either retirement age prior to the end of the service period of the awards, are expensed over the shorter of the two periods. Options are generally granted at a price equal to the fair market value of our common stock on the grant date and have a contractual term of ten years. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our 1999 Stock Option Plan for Seasonal Employees, which provided for awards of nonqualified options to certain employees, was terminated effective December 31, 2009, except for outstanding awards thereunder. These awards were granted to seasonal employees in our Tax Services segment and entitled the holder to the right to purchase shares of common stock as the award vests, typically over a two-year period. We measured the fair value of options on the grant date using the Black-Scholes option valuation model. We expensed the grant-date fair value, net of estimated forfeitures, over the seasonal service period. Options were granted at a price equal to the fair market value of our common stock on the grant date, are exercisable during September through November in each of the two years following the calendar year of the grant, and have a contractual term of 29 months. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our 1989 Stock Option Plan for Outside Directors, which provided for awards of nonqualified options to outside directors, was terminated effective June 11, 2008, except for outstanding awards thereunder. The plan was replaced by the 2008 Deferred Stock Unit Plan for Outside Directors. The number of deferred stock units credited to an outside director's account pursuant to an award is determined by dividing the dollar amount of the award by the average current market value per share of common stock for the ten consecutive trading dates ending on the date the deferred stock units are granted to the outside directors. Each deferred stock unit granted is vested upon award and the settlement of shares occurs six months after separation of service from the Board of Directors. The vested shares receive dividends prior to settlement, which are reinvested and settled in shares at the time of settlement. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our 2000 Employee Stock Purchase Plan (ESPP) provides employees the option to purchase shares of our common stock through payroll deductions. The purchase price of the stock is <font class="_mt">90</font>% of the lower of either the fair market value of our common stock on the first trading day within the Option Period or on the last trading day of the Option Period. The Option Periods are six-month periods beginning on January 1 and July 1 each year. We measure the fair value of options on the grant date utilizing the Black-Scholes option valuation model. The fair value of the option includes the value of the <font class="_mt">10</font>% discount and the look-back feature. We expense the grant-date fair value over the six-month vesting period. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">A summary of options for the year ended April 30, 2011, is as follows: <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="3%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s, except per share amounts) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Weighted-Average<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Weighted-Average<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Remaining<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Aggregate<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Shares </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Exercise Price </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Contractual Term </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Intrinsic Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Outstanding, beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>15,082</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>20.58</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Granted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,080</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13.29</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Exercised </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(338</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.64</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Forfeited or expired </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(6,034</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>22.17</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Outstanding, end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,790</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>18.64</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4 years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>9,224</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Exercisable, end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,122</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 19.95</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2 years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 1,318</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Exercisable and expected to vest </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,650</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>18.71</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4 years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,666</b> <br /></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The total intrinsic value of options exercised during fiscal years 2011, 2010 and 2009 was $<font class="_mt">1.8</font> million, $<font class="_mt">5.4</font> million and $<font class="_mt">33.0</font> million, respectively. As of April 30, 2011, we had $<font class="_mt">3.2</font> million of total unrecognized compensation cost related to these options. The cost is expected to be recognized over a weighted-average period of <font class="_mt">two</font> years. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We utilize the Black-Scholes option valuation model to value our options on the grant date. We typically estimate the expected volatility using our historical stock price data, unless historical volatility is not representative of expected volatility. We also use historical exercise and forfeiture behaviors to estimate the options expected term and our forfeiture rate. The dividend yield is calculated based on the current dividend and the market price of our common stock on the grant date. The risk-free interest rate is based on the U.S. Treasury zero-coupon yield curve in effect on the grant date. Both expected volatility and the risk-free interest rate are based on a period that approximates the expected term. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The following assumptions were used to value options during the periods: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="38%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Options – management and director: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>28.98</b></font>% - <font class="_mt">30.20</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">27.11</font>% - <font class="_mt">27.27</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">23.41</font>% - <font class="_mt">25.20</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5 years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">4</font>years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>4.18</b></font>% - <font class="_mt">5.17</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">3.24</font>% - <font class="_mt">3.55</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2.35</font>% - <font class="_mt">3.04</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>1.26</b></font>% - <font class="_mt">1.92</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2.38</font>% - <font class="_mt">2.75</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2.54</font>% - <font class="_mt">3.26</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.25</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.27 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.80 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Options – seasonal:<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33.81% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25.35% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2</font> years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.48% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.80% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.85% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.54% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.70 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">ESPP options: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> <font class="_mt">22.75</font>% - <font class="_mt">23.31</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <font class="_mt">23.68</font>% - <font class="_mt">43.20</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <font class="_mt">29.13</font>% - <font class="_mt">43.82</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>0.5</b></font>years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>3.86</b></font>% - <font class="_mt">4.80</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2.65</font>% - <font class="_mt">3.46</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">2.67</font>% - <font class="_mt">2.78</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><font class="_mt"><b>0.19</b></font>% - <font class="_mt">0.23</font>%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">0.20</font>% - <font class="_mt">0.33</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><font class="_mt">0.27</font>% - <font class="_mt">2.13</font>% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.16</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.66 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table class="MetaData" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td class="MetaData" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">This plan was terminated in fiscal year 2010, except for outstanding awards thereunder. </font></td></tr></table> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt; align: left;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">A summary of nonvested shares and performance nonvested share units for the year ended April 30, 2011, is as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="77%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="3%"> </td> <td width="11%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="6" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(shares in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Weighted-Average<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Grant Date <br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Shares </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Outstanding, beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,619</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19.55</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Granted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>745</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12.56</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Released </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(632</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>20.20</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Forfeited </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(232</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>17.61</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Outstanding, end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,500</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 15.92</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The total fair value of shares vesting during fiscal years 2011, 2010 and 2009 was $<font class="_mt">13.0</font> million, $<font class="_mt">15.5</font> million and $<font class="_mt">21.1</font> million, respectively. Upon the grant of nonvested shares and performance nonvested share units, unearned compensation cost is recorded as an offset to additional paid-in capital and is amortized as compensation expense over the vesting period. As of April 30, 2011, we had $<font class="_mt">11.5</font> million of total unrecognized compensation cost related to these shares. This cost is expected to be recognized over a weighted-average period of <font class="_mt">2</font> years. </div></div></div>

20300000

8000000

8700000

14900000

49000000

45100000

198685000

200899000

48691000

138111000

1.45

-0.40

1.44

-0.38

0.15

2.11

-0.41

1.31

-0.36

1.45

-0.40

1.43

-0.38

0.15

2.10

-0.41

1.31

-0.36

<font style="widows: 2; text-transform: none; text-indent: 0px; border-collapse: separate; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="_mt"> </font> <div style="font-family: 'Times New Roman', Times, serif;"> <div style="margin-top: 12pt; font-size: 10pt;" align="left"> <div>  <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 3: EARNINGS PER SHARE</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Basic and diluted earnings 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 computations of basic and diluted earnings per share from continuing operations are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="53%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s, except per share amounts) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income from continuing operations attributable to shareholders </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 513,055 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Amounts allocated to participating securities (nonvested shares) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,085</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,888 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,042 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income from continuing operations<br />attributable to common shareholders </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>418,320</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">487,058 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">511,013 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Basic weighted average common shares </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>309,230</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,283 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">332,787 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Potential dilutive shares </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>547</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">953 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,752 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Dilutive weighted average common shares </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>309,777</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">333,236 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">334,539 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Earnings per share from continuing operations attributable to<br />common shareholders: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Basic </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.47 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.53 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Diluted </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.46 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.53 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 6pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 <font class="_mt">12.8</font> million, <font class="_mt">13.7</font> million and <font class="_mt">15.7</font> million shares of stock for fiscal years 2011, 2010 and 2009, respectively, as the effect would be antidilutive. </div></div></div></div>

0.389

0.376

0.381

0.35

-0.012

-0.010

-0.013

-0.012

-0.006

-0.009

0.042

0.038

0.045

0.005

0.009

0.011

11678000

5844000

199496000

257038000

11500000

3200000

12200000

10500000

5400000

20200000

6600000

4400000

160700000

190900000

205800000

231000

-3276597000

3276597000

231000

32000

-2699555000

2699555000

32000

8600000

1600000

500000

<table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="41%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="3%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Level 1 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Level 2 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Level 3 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gain (loss) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recurring: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage-backed securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>158,177</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>158,177</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>207</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Municipal bonds </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,740</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,740</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Non-recurring: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">REO </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,366</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,366</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,920</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impaired mortgage loans held for investment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>90,628</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>90,628</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(11,390</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>269,911</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 166,917</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 102,994</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (12,698</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As a percentage of total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5.2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3.2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recurring: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Mortgage-backed securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,016 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,016 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Municipal bonds </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">459 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Trust preferred security </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,823 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Non-recurring: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">REO </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,291 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,291 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,430 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impaired mortgage loans held for investment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88,456 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88,456 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,453 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 136,695 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> –   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,948 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">104,747 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,257 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As a percentage of total assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.0 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table>

75000000

25000000

50000000

25000000

136695000

31948000

104747000

269911000

166917000

102994000

31506000

3178000

329000

2849000

191630000

160642000

218572000

6266000

6096000

2600000

400000

4868000

120037000

33096000

1813000

22118000

21278000

246480000

318000

8505000

9961000

2600000

600000

4868000

128738000

41076000

3093000

24662000

22059000

586004000

14500000

223773000

2600000

1325000

55637000

145149000

67705000

19201000

33052000

23062000

614399000

7629000

14700000

214330000

2600000

1325000

55637000

152079000

87624000

19201000

35818000

23456000

367432000

8234000

217677000

925000

50769000

25112000

34609000

17388000

10934000

1784000

367919000

7311000

6195000

204369000

725000

50769000

23341000

46548000

16108000

11156000

1397000

13100000

14500000

27300000

19300000

22800000

-1823000

-10000

459000

207000

405000

117000000

850230000

402639000

447591000

840447000

388751000

451696000

846245000

412094000

14000000

434151000

6248000

1112000

5136000

43993000

28552000

15441000

  <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 9:</font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">GOODWILL AND INTANGIBLE ASSETS</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Changes in the carrying amount of goodwill by segment for the years ended April 30, 2011 and 2010 are as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="55%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Services </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Business Services </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at May 1, 2009: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">449,779 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">402,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">852,418 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">447,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">402,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">850,230 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,112 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,248 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Disposals and foreign currency changes </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,031 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,031 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impairments </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at April 30, 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">453,884 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">403,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">857,635 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(17,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">451,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">388,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">840,447 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>15,441</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>28,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43,993</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Disposals and foreign currency changes </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(10,286</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(5,209</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(15,495</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impairments </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at April 30, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,039</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>427,094</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>886,133</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,888</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(15,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(39,888</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 434,151</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 412,094</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 846,245</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Goodwill and other indefinite-life intangible assets were tested for impairment in the fourth quarter of fiscal year 2011. Except as discussed below, no impairment was identified. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The RedGear reporting unit within our Tax Services segment experienced lower than expected revenues, and as a result, we evaluated this reporting unit's goodwill for impairment at January 31, 2011. The measurement of impairment of goodwill consists of two steps. In the first step, we compared the fair value of this reporting unit, determined using discounted cash flows, to its carrying value. As the results of the first test indicated that the fair value was less than its carrying value, we then performed the second step, which was to determine the implied fair value of its goodwill and to compare that to its carrying value. The second step included hypothetically valuing all of the tangible and intangible assets of this reporting unit. As a result, we recorded an impairment of the reporting unit's goodwill of $<font class="_mt">22.7</font> million, leaving a remaining goodwill balance of approximately $<font class="_mt">14</font> million. The impairment is included in selling, general and administrative expenses on the consolidated statements of income. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We recorded a $<font class="_mt">15.0</font> million impairment in our Business Services segment in fiscal year 2010, related to RSM EquiCo, due to declining revenues and profitability. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We recorded a $<font class="_mt">2.2</font> million goodwill impairment in our Tax Services segment in fiscal year 2009, which was a result of the closure of a previously acquired business. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The components of intangible assets are as follows: </div> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 7pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="26%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="10" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="10" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Carrying<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Accumulated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Carrying<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Accumulated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortization </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Net </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortization </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Net </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Tax Services: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Customer relationships </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>87,624</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(41,076</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>46,548</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">67,705 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(33,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,609 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Noncompete agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,456</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,059</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,397</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,062 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(21,278 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,784 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Reacquired franchise rights </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,330</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(9,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>204,369</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">223,773 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">217,677 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Franchise agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,201</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,093</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,108</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">19,201 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,813 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,388 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Purchased technology </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>14,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(8,505</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,195</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,500 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,266 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,234 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,325</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>725</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,325 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(400 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">925 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Business Services: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Customer relationships </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>152,079</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(128,738</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,341</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">145,149 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(120,037 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25,112 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Noncompete agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,818</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,662</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,156</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,052 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(22,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,934 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Attest firm affiliation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,629</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(318</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,311</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name – amortizing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,600 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,600 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name – <font style="white-space: nowrap;" class="_mt">non-amortizing</font> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>55,637</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,868</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>50,769</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">55,637 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,868 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,769 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Total intangible assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 614,399</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (246,480</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 367,919</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 586,004 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (218,572 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 367,432 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="29"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Amortization of intangible assets of continuing operations for the years ended April 30, 2011, 2010 and 2009 was $<font class="_mt">29.5</font> million, $<font class="_mt">30.0</font> million and $<font class="_mt">24.9</font> million, respectively. Estimated amortization of intangible assets for fiscal years 2012, 2013, 2014, 2015 and 2016 is $<font class="_mt">27.3</font> million, $<font class="_mt">22.8</font> million, $<font class="_mt">19.3</font> million, $<font class="_mt">14.5</font> million and $<font class="_mt">13.1</font> million, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In connection with the acquisition of Caturano, as discussed in note 2, we recorded a liability related to unfavorable operating lease terms in the amount of $5.9 million, which will be amortized over the remaining contractual life of the operating lease. The net balance was $<font class="_mt">5.5</font> million at April 30, 2011. </div></div>

852418000

402639000

449779000

857635000

403751000

453884000

886133000

427094000

459039000

2188000

17188000

15000000

2188000

39888000

15000000

24888000

2200000

15000000

22700000

6000000

3300000

216391000

307351000

289755000

37082000

252673000

5964000

8548000

6624000

829000

5795000

4927000

7452000

6311000

744000

5567000

77611000

80849000

5476000

75373000

310861000

288309000

22552000

268649000

24575000

209414000

59235000

244074000

19340000

5235000

190074000

54000000

815614000

745912000

639914000

23756000

38223000

37111000

839370000

-99253000

96097000

-183775000

927048000

-841837000

839370000

941090000

-210873000

784135000

-16843000

58714000

-141941000

867362000

-784135000

784135000

800978000

-212853000

97451000

1110410000

-207317000

677025000

-51989000

49003000

-139476000

767498000

-677025000

677025000

729014000

-175119000

513055000

-58867000

-514563000

513055000

573430000

-130617000

488946000

-10475000

-488946000

488946000

499421000

-126472000

53603000

692432000

-127638000

419405000

-24215000

-419405000

419405000

443620000

-106812000

1.53

-0.39

1.47

-0.38

0.16

2.11

-0.40

1.35

-0.35

1.53

-0.39

1.46

-0.38

0.16

2.11

-0.40

1.35

-0.35

-27382000

-29176000

29176000

-27382000

-3017000

-9704000

-5276000

9704000

-9704000

-4428000

-2115000

-2968000

-1604000

-3043000

-13295000

-12417000

13295000

-13295000

-878000

-2237000

-0.08

-0.01

-0.03

-0.01

-0.04

-0.01

-0.08

-0.01

-0.03

-0.01

-0.04

-0.01

  <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 15: INCOME TAXES</font></b> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The components of income from continuing operations upon which domestic and foreign income taxes have been provided are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="43%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="15%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="15%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Domestic </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>639,914</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">745,912 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">815,614 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Foreign </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>37,111</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">38,223 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,756 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The components of income tax expense (benefit) for continuing operations are as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="55%"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Current: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Federal </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>188,086</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">92,992 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">243,085 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">State </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>45,068</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,625 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">38,418 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Foreign </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,456</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,052 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,393 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>254,610</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">132,669 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">282,896 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Deferred: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Federal </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(799</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">128,900 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,739 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">State </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,521</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,448 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,582 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Foreign </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>288</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">172 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">98 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,010</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">162,520 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">43,419 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total income taxes for continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 326,315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The reconciliation between the income tax provision and the amount computed by applying the statutory federal tax rate of 35% to income taxes of continuing operations is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="56%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">U.S. statutory tax rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35.0 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35.0 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Change in tax rate resulting from: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">State income taxes, net of federal income tax benefit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4.5</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.8 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4.2 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Permanent differences </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.3</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.5 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">)% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Uncertain tax positions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.1</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.9 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.5 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net decrease in valuation allowance </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1.3</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1.0 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">)% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1.2 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">)% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.9</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">)% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1.2 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">)% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Effective tax rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>38.1</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">37.6 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">38.9 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The significant components of deferred tax assets and liabilities of continuing operations are reflected in the following table: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Gross deferred tax assets: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accrued expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61,891</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,554 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Allowance for credit losses and related reserves </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>102,587</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">164,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net operating loss carryovers </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">200 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">237 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Valuation allowance </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(47,300</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,745 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Current </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>117,178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">181,029 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Deferred and stock-based compensation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>73,398</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,970 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Property and equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,071 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Deferred revenue </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,166</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net operating loss carryovers </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,057</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">26,292 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accrued expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,481</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,892 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Capital loss carryover </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>150,876</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">144,507 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>15,953</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,991 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Valuation allowance </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(94,261</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(151,838 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Noncurrent </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>222,670</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">173,480 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>339,848</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">354,509 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Gross deferred tax liabilities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Prepaid expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,337 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Current </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,337 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Property and equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(10,731</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Basis difference in mortgage-related investment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(49,751</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(81,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Intangibles </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(139,963</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(124,918 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Noncurrent </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(200,445</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(206,036 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net deferred tax assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  134,669</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  142,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The loss from discontinued operations for fiscal years 2011, 2010 and 2009 of $13.3 million, $9.7 million and $27.4 million, respectively are net of tax benefits of $<font class="_mt">8.7</font> million, $<font class="_mt">8.0</font> million and $<font class="_mt">20.3</font> million, respectively. Our effective tax rate for discontinued operations was <font class="_mt">39.4</font>%, <font class="_mt">45.1</font>% and <font class="_mt">42.5</font>% for fiscal years 2011, 2010 and 2009, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">As of April 30, 2011, we have a capital loss deferred tax asset (DTA) of $<font class="_mt">147</font> million. The majority of this capital loss DTA resulted from the sale of our brokerage business in November 2008. Generally, for tax purposes, a capital loss can only be utilized to the extent we realize capital gains within five years of the end of the taxable year the capital loss was incurred. We do not currently expect to be able to realize a tax benefit for substantially all of this loss and, therefore, recorded a valuation allowance of $<font class="_mt">126.3</font> million. We have capital loss carryover of approximately $<font class="_mt">375</font> million which will expire if not used to offset future capital gains before December 31, 2013. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal year 2010, our current tax expense was reduced and our deferred tax expense increased by offsetting amounts due to the tax effects of a tax accounting change impacting the timing of taxable income from certain mortgage related assets. Because of this treatment we recorded a noncurrent deferred tax liability of $<font class="_mt">81.1</font> million and a long-term receivable of the same amount as a result of this change. During fiscal year 2011, we changed our measurement of the more-likely-than-not tax basis of certain assets of a subsidiary as a result of new information obtained from ongoing interactions with the IRS. The result of this new information was to increase our noncurrent deferred tax liability in the amount of $<font class="_mt">66.3</font> million and to establish a long-term receivable for the same amount as it is not expected that these matters will be settled within twelve months. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Certain of our subsidiaries file stand-alone returns in various states and foreign jurisdictions, and others join in filing consolidated or combined returns in such jurisdictions. At April 30, 2011, we had net operating losses (NOLs) in various states and foreign jurisdictions. The amount of state NOLs vary by taxing jurisdiction. We recorded deferred tax assets of $<font class="_mt">21.1</font> million for the tax effects of such losses and a valuation allowance of $<font class="_mt">10.3</font> million for the portion of such losses that, more likely than not, will not be realized. If not used, the NOLs will expire in varying amounts during fiscal years 2012 through 2031. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We intend to indefinitely reinvest foreign earnings, therefore, a provision has not been made for income taxes that might be payable upon remittance of such earnings. Determination of the amount of unrecognized deferred tax liability on unremitted foreign earnings is not practicable.</div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">A reconciliation of the beginning and ending amount of unrecognized tax benefits for fiscal years 2011, 2010 and 2009 is as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="53%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>129,767</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">124,605 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">137,608 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Additions based on tax positions related to prior years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>28,262</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,957 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,541 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Reductions based on tax positions related to prior years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(1,473</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,427 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Additions based on tax positions related to the current year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,417</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,314 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,110 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Reductions related to settlements with tax authorities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(7,639</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(8,545 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(18,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Expiration of statute of limitations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(315</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,061 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(5,007 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Foreign currency translation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,057</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">924 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,362 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,772</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 154,848</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 129,767 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 124,605 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Of the $154.8 million, $129.8 million and $124.6 million ending gross unrecognized tax benefit balance as of April 30, 2011, 2010 and 2009, respectively, $<font class="_mt">117.6</font> million, $<font class="_mt">106.8</font> million and $<font class="_mt">107.0</font> million, respectively, if recognized, would impact the effective rate. This difference results from adjusting the gross balances for such items as federal, state and foreign deferred items, interest and deductible taxes. We believe it is reasonably possible that the balance of unrecognized tax benefits could decrease by approximately $<font class="_mt">17</font> million within the next twelve months due to anticipated settlements of audit issues and expiring statutes of limitations. This amount is included in accrued income taxes in our consolidated balance sheet. The remaining amount is classified as long-term and is included in other noncurrent liabilities in the consolidated balance sheet. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Interest and penalties, if any, accrued on the unrecognized tax benefits are reflected in income tax expense. The amount of gross interest and penalties accrued on uncertain tax positions during fiscal years 2011, 2010 and 2009 totaled $<font class="_mt">4.4</font> million, $<font class="_mt">4.1</font> million and $<font class="_mt">15.4</font> million, respectively. The total gross interest and penalties accrued as of April 30, 2011, 2010 and 2009 totaled $<font class="_mt">44.1</font> million, $<font class="_mt">39.7</font> million and $<font class="_mt">42.4</font> million, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We file a consolidated federal income tax return in the U.S. and file tax returns in various state and foreign jurisdictions. The consolidated tax returns for the years 2006 and 2007 are currently under examination by the IRS. The consolidated tax returns for the years 1999 – 2005 are at the IRS appellate level. 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 examination.</div></div>

-1593000

359559000

244917000

158862000

12587000

4762000

42400000

39700000

44100000

326315000

-40386000

-327274000

326315000

367660000

-80256000

295189000

-6368000

-295189000

295189000

301557000

-86381000

43848000

417978000

-79679000

257620000

-27774000

-257620000

257620000

285394000

-68307000

326315000

295189000

257620000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">INCOME TAXES </font></b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We account for income taxes under the asset and liability method, which requires us to record deferred income tax assets and liabilities for future tax consequences attributable to differences between the financial statement carrying value of existing assets and liabilities and their respective tax basis. Deferred taxes are determined separately for each tax-paying component within each tax jurisdiction based on provisions of enacted tax law. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Our deferred tax assets include capital loss and state and foreign tax loss carry-forwards and are reduced by a valuation allowance if, based on available evidence, it is more likely than not that some portion or all of the deferred tax assets will not be realized. Our current deferred tax assets are included in prepaid expenses and other current assets in the consolidated balance sheets. Noncurrent deferred tax assets are included in other assets on our consolidated balance sheets. Noncurrent deferred tax liabilities are included in other noncurrent liabilities on our consolidated balance sheets. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We evaluate the sustainability of each uncertain tax position based on its technical merits. If we determine it is more likely than not a tax position will be sustained based on its technical merits, we record the impact of the position in our consolidated financial statements at the largest amount that is greater than fifty percent likely of being realized upon ultimate settlement. We record no tax benefit for tax positions where we have concluded it is not more likely than not to be sustained. Differences between a tax position taken or expected to be taken in our tax returns and the amount of benefit recognized and measured in the financial statements result in unrecognized tax benefits, which are recorded in the balance sheet as either a liability for unrecognized tax benefits or reductions to recorded tax assets, as applicable. </font></p><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We file a consolidated federal tax return on a calendar year basis and state tax returns on a consolidated or combined basis, as permitted by authorities. We report interest and penalties as a component of income tax expense. </font></div></div></div>

-36024000

-305000

-111727000

77447000

87889000

105708000

126594000

-77254000

5962000

-106014000

-59617000

56009000

66300000

64357000

17539000

-11440000

64357000

69932000

-5575000

17539000

11428000

6111000

-11440000

-11501000

61000

-176864000

59429000

98818000

-56001000

-65261000

119428000

-84279000

2320000

37892000

44625000

-2497000

14033000

367432000

367919000

24190000

6947000

102375000

83193000

14069000

5113000

90569000

78398000

10174000

1997000

95435000

85421000

8488000

1526000

83000

94000

10174000

8488000

1871000

2168000

128000

107000

8092000

6119000

154516000

91019000

46396000

12205000

4896000

122405000

77891000

31877000

10319000

2318000

134153000

94300000

24693000

13551000

1609000

89541000

78305000

73791000

2600000

2100000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 12pt; font-size: 10pt;" align="left"> <div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 4: INVESTMENTS</font></b> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt"><font style="white-space: nowrap;" class="_mt">AVAILABLE-FOR-SALE </font></font></b><font style="font-family: Arial, Helvetica;" class="_mt">–</font> The amortized cost and fair value of securities classified as <font style="white-space: nowrap;" class="_mt">available-for-sale</font> held at April 30, 2011 and 2010 are summarized below: </div> <div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="32" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="14" align="center"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="14" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Cost </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gains </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Losses<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Cost </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gains </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Losses<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage-backed securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 157,970</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 401</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(194</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 158,177</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 23,026 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(49 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,016 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Municipal bonds </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,335</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,740</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,442 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">459 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Trust preferred security </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,854 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,823 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="35" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>166,305</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>806</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (194</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>166,917</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,322 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 498 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (1,872 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 31,948 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="35" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="37"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">At April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. At April 30, 2010, investments with a cost of $<font class="_mt">15.7</font> million and gross unrealized losses of $<font class="_mt">1.9</font> million had been in a continuous loss position for more than twelve months. </font></td></tr></table> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 99%; margin-left: 0%; font-size: 3pt; align: left;"> </div></div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We did not sell any AFS securities in fiscal year 2011. Proceeds from the sales of AFS securities were $<font class="_mt">2.1</font> million and $<font class="_mt">8.3</font> million during fiscal years 2010 and 2009, respectively. We recorded no gross realized gains or losses on those sales during fiscal year 2010. Gross realized gains on sales during fiscal year 2009 were $<font class="_mt">0.7</font> million; gross <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">realized losses were $<font class="_mt">1.3</font> million. During fiscal years 2011, 2010 and 2009, we recorded <font style="white-space: nowrap;" class="_mt">other-than-temporary</font> impairments of AFS securities totaling $<font class="_mt">1.9</font> million, $<font class="_mt">1.6</font> million and $<font class="_mt">1.5</font> 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. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Contractual maturities of AFS debt securities at April 30, 2011, occur at varying dates over the next 30 years, and are set forth in the table below. </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Cost Basis </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Maturing in: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Less than one year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,023</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,081</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Two to five years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,112</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,331</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Six to ten years </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,200</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,328</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Beyond </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>157,970</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>158,177</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 166,305</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 166,917</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt"><font style="white-space: nowrap;" class="_mt">HELD-TO-MATURITY </font></font></b><font style="font-family: Arial, Helvetica;" class="_mt">–</font> HRB Bank is required to maintain a restricted investment in FHLB stock for borrowing availability. The cost of this investment, $<font class="_mt">3.3</font> million and $<font class="_mt">6.0</font> million at April 30, 2011 and 2010, respectively, represents its redemption value at each balance sheet date, as these investments do not have a ready market. </div></div></div></div></div>

31000

23016000

8901000

31000

23016000

8901000

158177000

8740000

158177000

8740000

308100000

289600000

272100000

199370000

191943000

3793688000

3758387000

5234318000

1741560000

-3276708000

3295668000

3473798000

5207961000

1682240000

-2699605000

2713256000

3512070000

2321491000

2214675000

25000000

500000000

250000000

0.0236

1700000000

1000

276100000

251100000

45401000

84073000

93535000

92087000

53264000

8267000

28800000

5236000

2722000

4443000

12063000

446000

5551000

2270000

683684000

165884000

144977000

372823000

572974000

215160000

366005000

265779000

34501000

45504000

227190000

162321000

106328000

151879000

214803000

206292000

47621000

152872000

187546000

385428000

304325000

357814000

6476000

206969000

157270000

23355000

12830000

21705000

357000

214803000

78780000

136380000

182770000

183235000

10250000

37371000

20546000

132326000

108509000

11146000

32674000

205485000

151522000

206292000

108766000

249048000

1594000

4882000

32390000

174579000

46800000

100000

595405000

485008000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <strong><font style="font-family: Arial;" class="_mt">NOTE 5: RECEIVABLES</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Short-term receivables consist of the following: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Business Services receivables </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 281,847</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 326,681 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Loans to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>62,181</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">55,047 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Receivables for tax preparation and related fees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>38,930</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45,248 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Emerald Advance lines of credit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>31,645</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">57,914 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Royalties from franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,645</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,845 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Tax client receivables related to RALs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,412</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,646 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>131,096</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">120,080 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>559,756</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">630,461 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Allowance for doubtful accounts </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>492,290</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">517,986 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The short-term portion of EAs, tax client receivables related to RALs and loans made to franchisees is included in receivables, while the long-term portion is included in other assets in the consolidated financial statements. These amounts as of April 30, 2011 are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="42%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Emerald Advance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Client<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Loans<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Lines of Credit </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Receivables - RALs </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">to Franchisees </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Short-term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 31,645</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,412</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>62,181</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Long-term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,619</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,855</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>110,420</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>53,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 8,267</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 172,601</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 April 30, 2011, by year of origination, are as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="62%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Emerald Advance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Client<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Lines of Credit </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Receivables - RALs </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Credit Quality Indicator – Year of origination: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2011 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>28,800</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,236</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>446</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2009 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,443</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">2008 and prior </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,722</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,551</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Revolving loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,063</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 53,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 8,267</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">As of April 30, 2011, $<font class="_mt">46.8</font> million 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. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our allowance for doubtful accounts consists of the following: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="73%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Allowance related to: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Emerald Advance lines of credit </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,400</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,239 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax client receivables related to RALs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Loans to franchisees </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other receivables </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>63,066</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,041 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Activity in the allowance for doubtful accounts for the years ended April 30, 2011, 2010 and 2009 is as follows: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="43%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Emerald Advance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Client<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Loans<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">All<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Lines of Credit </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Receivables - RALs </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">to Franchisees </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Other </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of May 1, 2008 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,393 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,398 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,360 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 120,155 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">42,875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,144 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">59,155 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">116,174 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">315 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(31,393 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(17,406 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(59,304 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(108,103 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2009 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 42,875 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 14,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,526 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">128,541 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,919 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,193 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,642 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">111,754 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">534 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">534 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(41,555 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(14,138 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(72,661 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(128,354 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,239 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,191 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,041 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">112,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>91,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>52,716</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>144,264</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>312</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>312</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (122,385</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (12,193</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (55,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (189,585</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance as of April 30, 2011 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,400</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> –  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 63,066</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>67,466</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">There were no changes to our methodology related to the calculation of our allowance for doubtful accounts during fiscal year 2011. </div></div></div></div></div>

-272562000

-239146000

-411122000

-333828000

1038832000

1053191000

1035144000

998605000

36539000

1049754000

998965000

50789000

1112886000

13500000

3400000

2700000

400900000

1600000

631000000

243066000

193066000

50000000

206595000

156659000

49936000

188200000

138415000

49785000

126260000

49800000

126260000

-64000

-151000

-49785000

35500000

70600000

41500000

70000000

22600000

4100000

650000000

350000

44533000

29252000

19532000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 12pt; font-size: 10pt;" align="left"> <div><strong><font style="font-family: Arial;" class="_mt">NOTE 6: MORTGAGE LOANS HELD FOR INVESTMENT AND RELATED ASSETS</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The composition of our mortgage loan portfolio as of April 30, 2011 and 2010 is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="51%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">% of Total</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% of Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Adjustable-rate loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 333,828</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>58</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 411,122 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">60 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Fixed-rate loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>239,146</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>42</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">272,562 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>100</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">683,684 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">100 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">% </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Unamortized deferred fees and costs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,121</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,256 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Less: Allowance for loan losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>485,008</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">595,405 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Activity in the allowance for loan losses for the years ended April 30, 2011, 2010 and 2009 is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="56%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at beginning of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>93,535</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">84,073 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">45,401 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Provision </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,567</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">47,750 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">63,897 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Recoveries </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>272</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">54 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Charge-offs </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(37,287</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(38,376 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(25,279 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at end of the year </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  84,073 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our loan loss allowance as a percent of mortgage loans was <font class="_mt">16.1</font>% at April 30, 2011, compared to <font class="_mt">13.7</font>% at April 30, 2010. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 (which includes those loans more than 60 days past due or that have been modified) are evaluated individually. The balance of these loans and the related allowance is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="46%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="6" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 7pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Pooled (less than 60 days past due) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>304,325</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,238</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">372,823 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,924 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Impaired: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Individually (TDRs) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>106,328</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,056</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">144,977 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,915 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Individually (60 days or more past due) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>162,321</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>69,793</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">165,884 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 683,684 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 93,535 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We review the credit quality of our portfolio based on the following criteria: (1) originator, (2) the level of documentation obtained for loan at origination, (3) occupancy status of property at origination, (4) geography, and (5) credit score and loan to value at origination. We specifically evaluate each loan and assign an internal risk rating of high, medium or low to each loan. The risk rating is based upon multiple loan characteristics that correlate to delinquency and loss. These characteristics include, but are not limited to, the five criteria listed above. These loan attributes are evaluated quarterly against a variety of additional characteristics to ensure the appropriate data is being utilized to determine the level of risk within the portfolio. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">All criteria are obtained at the time of origination and are only subsequently updated if the loan is refinanced. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our portfolio includes loans originated SCC and purchased by HRB Bank which constitute <font class="_mt">62</font>% of the total loan portfolio at April 30, 2011. We have experienced higher rates of delinquency and have greater exposure to loss with respect to this segment of our loan portfolio. Our remaining loan portfolio totaled $<font class="_mt">215.2</font> million and is characteristic of a prime loan portfolio, and we believe subject to a lower loss exposure. Detail of our mortgage loans held for investment and the related allowance at April 30, 2011 is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="44%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(dollars in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Outstanding<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="6" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">Loan Loss Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% 30+ Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Principal Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">% of Principal </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>81,396</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>22.7</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>41.7</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,691</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11.0</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7" align="right">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;" colspan="7">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  92,087</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16.1</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>30.2</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>%</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="7" align="right">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;" colspan="7">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 9pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Credit quality indicators at April 30, 2011 include the following: </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="50%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Credit Quality Indicators </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Purchased from SCC </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">All Other </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total Portfolio </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Occupancy status: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Owner occupied </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>249,048</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>136,380</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>385,428</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Non-owner occupied </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>108,766</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>78,780</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>187,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Documentation level: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Full documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>108,509</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>157,270</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>265,779</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Limited documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,146</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,355</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>34,501</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stated income </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>205,485</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,705</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>227,190</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">No documentation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,674</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,830</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>45,504</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Internal risk rating: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>151,522</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>151,879</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Medium </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,292</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>206,292</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,803</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,803</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Loans given our internal risk rating of "high" are generally originated by SCC, have no documentation or are stated income and are non-owner occupied. Loans given our internal risk rating of "medium" are generally full documentation or stated income, with <font style="white-space: nowrap;" class="_mt">loan-to-value</font> at origination of more than <font class="_mt">80</font>% and have credit scores at origination below <font class="_mt">700</font>. Loans given our internal risk rating of "low" are generally full documentation, with <font style="white-space: nowrap;" class="_mt">loan-to-value</font> at origination of less than <font class="_mt">80</font>% and have credit scores greater than <font class="_mt">700</font>. <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Detail of the aging of the mortgage loans in our portfolio that are past due as of April 30, 2011 is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="36%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="2%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Less than 60<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">60 - 89 Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">90 + Days<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Days Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Past Due </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Current </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>37,371</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,882</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>132,326</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>174,579</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>183,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>357,814</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10,250</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,594</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>20,546</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,390</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>182,770</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>215,160</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 47,621</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 6,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 152,872</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 206,969</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 366,005</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 572,974</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="29"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">No loans past due 90 days or more are still accruing interest. </font></td></tr></table> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 99%; margin-left: 0%; font-size: 3pt; align: left;"> </div> <div style="margin-top: 9pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Information related to our non-accrual loans is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>143,358</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>14,106</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>157,464</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">160,124 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">TDRs: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>329</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,506 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Total non-accrual loans </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 160,642</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 191,630 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 9pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Information related to impaired loans is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="31%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="12%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="11%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">With Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">With No Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Related Allowance </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="20" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>190,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>54,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>244,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>75,373</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,340</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>24,575</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>209,414</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>59,235</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>268,649</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>80,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="19" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><font style="white-space: nowrap; color: #000000; font-size: 1pt; word-spacing: 100pt;" class="_mt"><u> </u></font> </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">As of April 30, 2010 </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 288,309 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 22,552 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 310,861 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 77,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="21"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 9pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Information related to the allowance for impaired loans is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="78%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Portion of total allowance for loan losses allocated<br />to impaired loans and TDR loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Based on collateral value method </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>69,794</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">68,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Based on discounted cash flow method </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,055</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,915 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 80,849</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 77,611 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table></div></div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Information related to activities of our non-performing assets is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="63%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">For the Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Average impaired loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 252,673</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>37,082</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>289,755</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 307,351 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 216,391 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest income on impaired loans: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,795</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>829</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,624</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,548 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,964 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Interest income on impaired loans recognized on a<br />cash basis on non-accrual status: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Purchased from SCC </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,567</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">All other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>744</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 1px solid;">  </td> <td style="border-top: #000000 1px solid;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,311</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,452 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,927 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>  </td> <td>  </td> <td style="border-top: #000000 3px double;">  </td> <td style="border-top: #000000 3px double;">  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">As of April 30, 2011 and 2010, accrued interest receivable on mortgage loans held for investment totaled $<font class="_mt">2.1</font> million and $<font class="_mt">2.6</font> million, respectively. At April 30, 2011, HRB Bank had interest-only mortgage loans in its investment portfolio totaling $<font class="_mt">3.7</font> million. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our real estate owned includes loans accounted for as in-substance foreclosures of $<font class="_mt">7.7</font> million and $<font class="_mt">12.5</font> million at April 30, 2011 and 2010, respectively. Activity related to our real estate owned is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="56%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, beginning of the period </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>29,252</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">44,533 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">350 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Additions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,463</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">19,341 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">65,171 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Sales </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (21,889</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(24,308 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,072 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Impairments </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,294</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (10,314 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (11,916 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance, end of the period </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 19,532</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 29,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 44,533 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div></div></div></div>

-9072000

-24308000

-21889000

65171000

19341000

16463000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">NATURE OF OPERATIONS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Our operating subsidiaries provide a variety of services to the general public, principally in the United States (U.S.). Specifically, we offer: tax return preparation; tax and consulting services to business clients; certain retail banking services and tax preparation and related software. Tax preparation services are also provided in Canada and Australia. Our Tax Services segment comprised 77.2% of our consolidated revenues from continuing operations for fiscal year 2011. </font></p></div></div>

-40233000

-143986000

68245000

-77655000

113163000

-481118000

332328000

421702000

-436843000

-798305000

-534391000

144731000

459816000

-469438000

-669500000

5560000

363950000

-73820000

73820000

-358390000

31353000

111645000

-415591000

415591000

-80292000

-110157000

-77043000

-459755000

459755000

-33114000

1024439000

-13225000

3835000

1033829000

587469000

16698000

21252000

549519000

512503000

-153471000

9683000

656291000

485673000

-88043000

-485387000

485673000

573430000

-133634000

479242000

-15751000

-479242000

479242000

494993000

-128587000

50635000

690828000

-130681000

406110000

-36632000

-406110000

406110000

442742000

-109049000

511013000

487058000

418320000

200096000

279296000

501000

-5992000

-839338000

839370000

6461000

9298000

5644000

-784252000

784135000

3771000

11455000

5503000

-677025000

677025000

5952000

630461000

326681000

57914000

55047000

120080000

45248000

3845000

21646000

559756000

281847000

31645000

62181000

131096000

38930000

11645000

2412000

31645000

62181000

2412000

21619000

110420000

5855000

172600000

125100000

47500000

53264000

172601000

8267000

838869000

-93261000

-2499000

934629000

774837000

-22487000

117000

797207000

665570000

-57492000

723062000

735048000

238167000

35942000

84138000

128063000

181044000

67694000

375000000

1074422000

332782000

19014000

722626000

1290240000

469461000

13613000

807166000

436528000

723738000

-4000000

-1125000

128000

-10125000

14442000

9427000

1300000

10800000

1164000

1399000

-55000

762000

811000

-133000

-2836000

274000

73000

-1736000

188000

58000

1830989000

153154000

48775000

1629060000

1831413000

-26769000

178000

1858004000

412053000

493958000

-31668000

-30327000

-33344000

60000000

491155000

520440000

414282000

1500000

1600000

1900000

-91329000

-72832000

-58471000

-22002000

-31513000

-34349000

262500000

37500000

225000000

198685000

200899000

186802000

5092000

875000

4217000

5365000

365000

5000000

138824000

29800000

293805000

10539000

54171000

97880000

43000

21185000

390000

76305000

97837000

90515000

12318000

89000

78108000

90515000

62959000

33000

19873000

43000

43043000

62926000

0.01

500000

6000000

120155000

71360000

31393000

4000

17398000

128541000

71526000

42875000

4000

14136000

112475000

65041000

35239000

4000

12191000

67466000

63066000

4400000

116174000

59155000

42875000

14144000

111754000

65642000

33919000

12193000

144264000

52716000

91546000

2000

315000

534000

312000

-108103000

-59304000

-31393000

-17406000

-128354000

-72661000

-41555000

-14138000

-189585000

-55003000

-122385000

-4000

-12193000

42000000

18865000

66623000

71083000

1406013000

4818766000

141400000

141415000

141332000

83000

141415000

400000000

600000000

1406013000

4818766000

11492000

9331000

14210000

-12049000

-35144000

-8717000

1624000

-28051000

-3039000

-490000

474000

-3023000

8300000

2100000

16900000

65700000

65600000

4733294000

4242727000

71594000

16682000

424000

<div style="width: 87%; margin-left: 6%;"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 8: </font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">PROPERTY AND EQUIPMENT</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The components of property and equipment are as follows: </div> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Land and other non-depreciable assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,245</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,482 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Buildings </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>154,519</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">161,460 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Computers and other equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>475,351</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,160 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Capitalized software </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>156,108</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">147,104 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Leasehold improvements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>191,943</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">199,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Construction in process </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>4,374</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,902 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>984,540</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,002,478 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Less: Accumulated depreciation and amortization </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(677,220</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(657,008 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  307,320</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  345,470 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="border-bottom: #000000 1pt solid; width: 99%; margin-left: 0%; font-size: 6pt; align: left;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal years 2011 and 2010, we received $<font class="_mt">6.5</font> million and $<font class="_mt">10.3</font> million, respectively, for tax incentives from certain government agencies related to our corporate headquarters building, which was recorded as a reduction of original cost. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Property and equipment included above and subject to capital lease arrangements included the following: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="75%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="4%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Property and equipment under capital lease </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 47,842</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 47,844 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Less accumulated amortization </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(35,056</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(31,418 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12,786</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16,426 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="top" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Depreciation and amortization expense of continuing operations for fiscal years 2011, 2010 and 2009 was $<font class="_mt">92.2</font> million, $<font class="_mt">96.9</font> million and $<font class="_mt">96.6</font> million, respectively. Included in depreciation and amortization expense of continuing operations is amortization of capitalized software of $<font class="_mt">18.8</font> million, $<font class="_mt">21.8</font> million and $<font class="_mt">23.4</font> million, respectively. </div></div>

1002478000

984540000

345470000

307320000

63897000

47750000

35567000

<p> </p> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><font style="font-family: Arial, Helvetica;" class="_mt"><strong>NOTE 22: QUARTERLY FINANCIAL DATA (UNAUDITED)</strong><font class="_mt" style="font-family: Times New Roman;"> </font></font></td> <td align="left"> </td></tr></table> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <p> </p> <div class="MetaData"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="10" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s, except per share amounts) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Apr 30, 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jan 31, 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Oct 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jul 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,325,451</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 851,482</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 322,889</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 274,474</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,076,910</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(17,449</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(175,119</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(207,317</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>418,680</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(68,307</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(79,679</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>658,230</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,375</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(106,812</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(127,638</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>331</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(8,346</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,237</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>658,561</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,721</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(109,049</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(130,681</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Basic earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.40</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>—</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.03</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.31</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.36</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.41</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Diluted earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.14</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.40</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>—</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.03</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.31</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.14</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.36</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.41</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="32%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Apr 30, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jan 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Oct 31, 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jul 31, 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 2,337,894 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 934,852 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 326,081 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">275,505 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,110,410 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">97,451 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (212,853 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (210,873 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">417,978 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">43,848 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(86,381 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(80,256 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">692,432 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">53,603 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(126,472 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(130,617 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,604 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,968 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,115 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,017 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">690,828 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,635 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(128,587 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(133,634 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Basic earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.47 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.16 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.03 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.44 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Diluted earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.46 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.16 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.03 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr></table></div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The accumulation of four quarters in fiscal years 2011 and 2010 for earnings per share may not equal the related per share amounts for the years ended April 30, 2011 and 2010 due to the timing of the exercise of stock options and lapse of certain restrictions on nonvested shares and the antidilutive effect of stock options and nonvested shares in the first two quarters for those years, as well as the retirement of treasury shares. <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="35%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fourth Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Third Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Second Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">First Quarter </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FISCAL YEAR 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid per share </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.60</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 0.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stock price range: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.99</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.00</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 13.79</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 15.97</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 18.99</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.13</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>12.46</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>10.13</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>13.44</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">FISCAL YEAR 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividends paid per share </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.60 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Stock price range: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">High </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23.23 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21.84 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23.23 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">20.00 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17.85 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Low </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">13.73 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15.90 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">18.10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">16.41 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">13.73 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt; align: left;"> </div></div>

30.8

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> </font> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">REAL ESTATE OWNED </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> 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. Subsequently, REO is carried at the lower of carrying value or fair value less costs to sell. 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. REO is included in prepaid expenses and other current assets in the consolidated balance sheets. </font></p></div></div>

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">RECEIVABLES AND RELATED ALLOWANCES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Receivables consist primarily of accounts receivable from customers of our Business Services segment and receivables from tax clients for tax return preparation. The allowance for doubtful accounts for these receivables requires management's judgment regarding collectibility and current economic conditions to establish an amount considered by management to be adequate to cover estimated losses as of the balance sheet date. Business Services accounts receivable are charged-off primarily when we determine that the specific customer does not have the ability to repay the balance in full. Receivables from tax clients for tax return preparation are not specifically identified and charged off, but are evaluated on a pooled basis. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Our financing receivables consist primarily of mortgage loans held for investment, Emerald Advance lines of Credit (EAs), tax client receivables related to refund anticipation loans (RALs) and loans made to franchisees. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Emerald Advance lines of credit. </font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">EAs are offered to clients in tax offices from late November through mid-January, currently in an amount not to exceed $1,000. If the borrower meets certain criteria as agreed in the loan terms, the line of credit can be increased and utilized year-round. These lines of credit are offered by HRB Bank. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on EAs is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or becomes delinquent. Loan commitment fees on EAs, net of related expenses, are initially deferred and recognized as revenue over the commitment period, which is typically two months. EAs balances are due on February 15th, and any amounts unpaid by that date are placed on non-accrual status. Payments on past due amounts are recorded as a reduction in the receivable balance. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We review the credit quality of these receivables based on pools, which are segregated by the year of origination. Specific bad debt rates are applied to each pool, as well as to those who maintain their loan year-round. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We determine our allowance for these receivables collectively, based on a review of receipts taking into consideration historical experience. These receivables are not specifically identified and charged-off, but are evaluated on a pooled basis. Initial bad debt rates also consider whether the loan was made to a new or repeat client. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. We adjust our allowance accordingly, with these adjustments reflected as bad debt expense. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Tax client receivables related to RALs. </font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Historically, RALs were offered in our US retail tax offices through a contractual relationship with HSBC Holdings plc (HSBC). We purchased a 49.9% participation interest in all RALs obtained through our retail offices. In December 2010, HSBC terminated its contract with us based on restrictions placed on HSBC by its regulator and RALs were not offered in our tax offices this tax season. In connection with the contract termination, we obtained the remaining rights to collect on the outstanding balances of RALs originated in years 2006 and later. All tax client receivables related to RALs outstanding at April 30, 2011 were originated prior to fiscal year 2011 and are past due. We do not accrue interest on these receivables. Payments on past due amounts are recorded as a reduction in the receivable balance. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We review the credit quality of these receivables based on pools, which are segregated by the year of origination, with specific bad debt rates applied to each pool. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">These receivables are not specifically identified and charged-off, but are evaluated on a pooled basis. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. We adjust our allowance accordingly, with these adjustments reflected as bad debt expense. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loans made to franchisees.</font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Interest income on loans made to franchisees is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or written off. Loans made to franchisees totaled $172.6 million at April 30, 2011, and consisted of $125.1 million in term loans made to finance the purchase of franchises and $47.5 million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs. The credit quality of these receivables is determined on a specific franchisee basis, taking into account the franchisee's credit score, their payment history on existing loans and operational amounts due to us, the loan-to-value ratio and debt-to-income ratio. Credit scores, loan-to-value and debt-to-income ratios are obtained at the time of underwriting. Payment history is monitored on a regular basis. We believe all loans to franchisees are of similar credit quality. Loans are evaluated for impairment when they become delinquent. Amounts deemed to be uncollectible are written off to bad debt expense and bad debt related to these loans has typically been insignificant. Additionally, the franchise office serves as collateral for the loan. In the event the franchisee is unable to repay the loans, we revoke their franchise rights, write off the remaining balance of the loans and assume control of the office. As of April 30, 2011, loans totaling $0.1 million were past due, however we had no loans to franchisees on non-accrual status. </font></p></div></div></div>

<table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="50%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>REVENUES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,912,361</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 2,975,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,132,077 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>829,794</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">860,349 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">897,809 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,141</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">38,731 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">53,691 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,083,577 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE TAXES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>767,498</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">867,362 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">927,048 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">58,714 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">96,097 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(139,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(141,941 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(183,775 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>DEPRECIATION AND AMORTIZATION :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>87,666</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88,523 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">79,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>30,692</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,064 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,748 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,275</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,314 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,468 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>121,633</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">126,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">123,631 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>CAPITAL EXPENDITURES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">78,108 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">76,305 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,873</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,185 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">89 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">390 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>62,959</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">97,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>IDENTIFIABLE ASSETS :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,267,236</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,279,161 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,117,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>851,764</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">806,688 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">897,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,088,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,148,469 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,344,997 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,359,722 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr></table>

431696000

-1806263000

1374567000

-24173000

-1263504000

1287677000

1406013000

4818766000

4762294000

4267773000

4267727000

46000

50000000

34350000

6160000

28190000

48383000

9522000

38861000

400

2658586000

2658103000

<p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">REVENUE RECOGNITION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Service revenues consist primarily of fees for preparation and filing of tax returns, both in offices and through our online programs, fees associated with our Peace of Mind (POM) guarantee program and fees for consulting services. Service revenues are recognized in the period in which the service is performed as follows: </font></p> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Retail and online tax preparation revenues are recorded when a completed return is filed or accepted by the customer. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">POM revenues are deferred and recognized over the term of the guarantee, based on historical and actual payment of claims. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenues for services rendered in connection with the Business Services segment include fees based on time and materials, which are recognized as the services are performed and amounts are earned. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenues associated with our H&R Block Prepaid Emerald MasterCard</font><sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">®</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> program consist of interchange income from the use of debit cards and fees from the use of ATM networks. Interchange income is a fee paid by a merchant bank to the card-issuing bank through the interchange network, and is based on cardholder purchase volumes. Interchange income is recognized as earned. </font></p></td></tr></table> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Product and other revenues in the current year include royalties from franchisees and sales of software products, and are recognized as follows: </font></p> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Upon granting of a franchise, franchisees pay a refundable deposit generally in the amount of $2,500, but pay no initial franchise fee. We record the payment as a deposit liability and recognize no revenue in connection with the initial granting of a franchise. Franchise royalties, which are based on contractual percentages of franchise revenues, are recorded in the period in which the franchise provides the service. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Software revenues consist mainly of tax preparation software. Revenue from the sale of software such as H&R Block At Home</font><sup><font style="font-variant: small-caps; font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">tm</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> is recognized when the product is sold to the end user, either through retail, online or other channels. Rebates, slotting fees and other incentives paid in connection with these sales are recorded as a reduction of revenue. Revenue from the sale of TaxWorks</font><sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">®</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> software is deferred and recognized over the period for which upgrades and support are provided to the customer. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">In fiscal years 2010 and 2009, loan participation revenue was recognized over the life of the loan. </font></p></td></tr></table> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income consists primarily of interest earned on mortgage loans held for investment and EAs and is recognized as follows: </font></p> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on mortgage loans held for investment includes deferred origination fees and costs and purchase discounts and premiums, which are amortized to income over the life of the loan using the interest method. </font></p></td></tr></table> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 1pt;" class="_mt"> </font> </p> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on EAs is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or written-off. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Loan commitment fees, net of related expenses, are initially deferred and recognized as revenue over the commitment period. </font></p></td></tr></table> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenue recognition is evaluated separately for each unit in multiple-deliverable arrangements. Sales tax we collect and remit to taxing authorities is recorded net in our consolidated income statements. </font></p>

4083577000

251758000

-3061000

3834880000

275505000

3874332000

271704000

-93000

3602721000

326081000

934852000

2337894000

274474000

3774296000

251521000

3522775000

322889000

851482000

3437906000

3231487000

3225861000

<div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" colspan="32" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="14" align="center"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="14" align="center"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Unrealized<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fair<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Cost </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gains </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Losses<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Cost </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gains </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Losses<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Value </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="36" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Mortgage-backed securities </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 157,970</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 401</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(194</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 158,177</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 23,026 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(49 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,016 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Municipal bonds </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,335</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>8,740</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,442 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">459 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Trust preferred security </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,854 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,823 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="35" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>166,305</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>806</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (194</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>166,917</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,322 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 498 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (1,872 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 31,948 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="35" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="37"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td align="left"><font style="font-family: Arial, Helvetica;" class="_mt">At April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. At April 30, 2010, investments with a cost of $<font class="_mt">15.7</font> million and gross unrealized losses of $<font class="_mt">1.9</font> million had been in a continuous loss position for more than twelve months. </font></td></tr></table> <div style="margin-top: 3pt; font-size: 1pt;"> </div> <div style="border-bottom: #000000 1pt solid; width: 99%; margin-left: 0%; font-size: 3pt; align: left;"> </div></div>

<table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="71%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="8" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Gross deferred tax assets: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accrued expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>61,891</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,554 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Allowance for credit losses and related reserves </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>102,587</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">164,783 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net operating loss carryovers </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">200 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">237 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Valuation allowance </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(47,300</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,745 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Current </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>117,178</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">181,029 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Deferred and stock-based compensation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>73,398</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,970 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Property and equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,071 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Deferred revenue </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,166</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25,595 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net operating loss carryovers </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>21,057</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">26,292 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accrued expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,481</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">31,892 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Capital loss carryover </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>150,876</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">144,507 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Other </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>15,953</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">15,991 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Valuation allowance </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(94,261</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(151,838 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Noncurrent </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>222,670</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">173,480 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>339,848</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">354,509 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Gross deferred tax liabilities: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Prepaid expenses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,337 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Current </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,734</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,337 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Property and equipment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(10,731</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Basis difference in mortgage-related investment </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(49,751</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(81,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Intangibles </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(139,963</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(124,918 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 24pt;">Noncurrent </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(200,445</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(206,036 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net deferred tax assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>  134,669</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  142,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="11"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="13"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table>

<table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 7pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="26%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="5%"> </td> <td width="1%" align="right"> </td> <td width="5%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">As of April 30, </font></td> <td>  </td> <td valign="bottom" colspan="10" align="center"><b><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="10" align="center"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 4pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Gross<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Carrying<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Accumulated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Carrying<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Accumulated<br /></font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortization </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Net </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amount </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Amortization </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Net </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="28" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Tax Services: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Customer relationships </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>87,624</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(41,076</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>46,548</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">67,705 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(33,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">34,609 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Noncompete agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,456</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,059</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,397</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23,062 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(21,278 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,784 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Reacquired franchise rights </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>214,330</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(9,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>204,369</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">223,773 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,096 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">217,677 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Franchise agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,201</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,093</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>16,108</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">19,201 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,813 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">17,388 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Purchased technology </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>14,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(8,505</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>6,195</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">14,500 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(6,266 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">8,234 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,325</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>725</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,325 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(400 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">925 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Business Services: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Customer relationships </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>152,079</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(128,738</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>23,341</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">145,149 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(120,037 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25,112 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Noncompete agreements </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>35,818</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,662</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>11,156</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,052 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(22,118 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">10,934 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Attest firm affiliation </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,629</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(318</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>7,311</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name – amortizing </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,600</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,600 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,600 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 14pt;">Trade name – <font style="white-space: nowrap;" class="_mt">non-amortizing</font> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>55,637</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,868</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>50,769</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">55,637 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(4,868 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,769 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -7pt; margin-left: 7pt;">Total intangible assets </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 614,399</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> (246,480</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 367,919</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 586,004 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (218,572 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 367,432 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="27" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="29"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table>

<table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="55%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 3pt;" valign="bottom" align="center"><td valign="bottom" colspan="12" align="right"><font style="font-family: Arial, Helvetica; font-size: 6pt;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Tax Services </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Business Services </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at May 1, 2009: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">449,779 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">402,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">852,418 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">447,591 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">402,639 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">850,230 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,136 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,112 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">6,248 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Disposals and foreign currency changes </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,031 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,031 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impairments </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">–   </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at April 30, 2010: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">453,884 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">403,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">857,635 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(15,000 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(17,188 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">451,696 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">388,751 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">840,447 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Changes: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Acquisitions </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>15,441</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>28,552</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43,993</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Disposals and foreign currency changes </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(10,286</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(5,209</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(15,495</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Impairments </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>–  </b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(22,700</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Balance at April 30, 2011: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Goodwill </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>459,039</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>427,094</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>886,133</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Accumulated impairment losses </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(24,888</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(15,000</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(39,888</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 434,151</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 412,094</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 846,245</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table>

<div style="width: 87%; margin-left: 6%;"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 19: </font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">LITIGATION AND RELATED CONTINGENCIES</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We are party to investigations, legal claims and lawsuits arising out of our business operations. As required, we accrue our best estimate of loss contingencies when we believe a loss is probable and we can reasonably estimate the amount of any such loss. Amounts accrued, including obligations under indemnifications, totaled $<font class="_mt">70.6</font> million and $<font class="_mt">35.5</font> million at April 30, 2011 and 2010, respectively. Litigation is inherently unpredictable and it is difficult to project the outcome of particular matters with reasonable certainty and, therefore, the actual amount of any loss may prove to be larger or smaller than the amounts reflected in our consolidated financial statements. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">RAL LITIGATION</font></b> – We have been named in multiple lawsuits as defendants in litigation regarding our refund anticipation loan program in past years. All of those lawsuits have been settled or otherwise resolved, except for one. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The sole remaining case is a putative class action styled <i>Sandra J. Basile, et al. v. H&R Block, Inc., et al.</i>, April Term 1992 Civil Action No. 3246 in the Court of Common Pleas, First Judicial District Court of Pennsylvania, Philadelphia County, instituted on April 23, 1993. The plaintiffs 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 Truth In Lending Act. 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. Plaintiffs have not provided a dollar amount of their claim and we are not able to estimate a possible range of loss. We believe we have meritorious defenses to this case and intend to defend it vigorously. There can be no assurances, however, as to the outcome of this case or its impact on our consolidated results of operations. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">EXPRESS IRA LITIGATION</font></b> – We have been named defendants in lawsuits regarding our former Express IRA product. All of those lawsuits have been settled or otherwise resolved, except for one. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">The one remaining 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 <i>Jim Hood, Attorney for the State of Mississippi v. H&R Block, Inc., H&R Block Financial Advisors, Inc</i>., <i>et al. </i>The complaint alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the sale of the product in Mississippi and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. We are not able to estimate a possible range of loss. We believe we have meritorious defenses to the claims in this case, and we intend to defend this case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated results of operations. </div></div> <div style="width: 87%; margin-left: 6%;"> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 0pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">RSM McGLADREY LITIGATION</font></b> – RSM EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July 11, 2006 and styled <i>Do Right's Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the "RSM Parties"), </i>Case No. 06 CC00137, in the California Superior Court, Orange County. The complaint contains allegations relating to business valuation services provided by RSM EquiCo, including allegations of fraud, 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 have reached an agreement in principle to settle this case, subject to approval by the California Superior Court. The settlement would require a maximum payment of $<font class="_mt">41.5</font> million, although the actual cost of the settlement depends on the number of valid claims submitted by class members. The defendants believe they have meritorious defenses to the claims in this case and, if for any reason the settlement is not approved, they will continue to defend the case vigorously. Although we have recorded a liability for expected losses, there can be no assurance regarding the outcome of this matter. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">On December 7, 2009, a lawsuit was filed in the Circuit Court of Cook County, Illinois (2010-L-014920) against M&P, RSM and H&R Block styled <i>Ronald R. Peterson ex rel. Lancelot Investors Fund, L.P., et al. v. McGladrey & Pullen LLP, et al. </i>The case was removed to the United States District Court for the Northern District of Illinois on December 28, 2009 (Case <font style="white-space: nowrap;" class="_mt">No. 1:10-CV-00274).</font> The complaint, which was filed by the trustee for certain bankrupt investment funds, seeks unspecified damages and asserts claims against RSM for vicarious liability and alter ego liability and against H&R Block for equitable restitution relating to audit work performed by M&P. The amount claimed in this case is substantial. On November 3, 2010, the court dismissed the case against all defendants in its entirety with prejudice. The trustee has filed an appeal to the Seventh Circuit Court of Appeals with respect to the claims against M&P and RSM. The appeal remains pending. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">RSM and M&P operate in an alternative practice structure ("APS"). Accordingly, certain claims and lawsuits against M&P could have an impact on RSM. More specifically, any judgments or settlements arising from claims and lawsuits against M&P that exceed its insurance coverage could have a direct adverse effect on M&P's operations. Although RSM is not responsible for the liabilities of M&P, significant M&P litigation and claims could impair the profitability of the APS and impair the ability to attract and retain clients and quality professionals. This could, in turn, have a material effect on RSM's operations and impair the value of our investment in RSM. There is no assurance regarding the outcome of any claims or litigation involving M&P. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">LITIGATION AND CLAIMS PERTAINING TO DISCONTINUED MORTGAGE OPERATIONS</font></b> – Although mortgage loan origination activities were terminated and the loan servicing business was sold during fiscal year 2008, SCC and HRB remain subject to investigations, claims and lawsuits pertaining to its mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state attorneys general, other state and federal regulators, municipalities, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive loan origination and servicing practices, fraud, and violations of securities laws, the Truth in Lending Act, 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 historical experience and is likely to continue at increased levels. The amounts claimed in these investigations, claims and lawsuits are substantial in some instances, and the ultimate resulting liability is difficult to predict and thus cannot be reasonably estimated. In the event of unfavorable outcomes, the amounts that may be required to pay in the discharge of liabilities or settlements could be substantial and could have a material impact on our consolidated results of operations. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">On June 3, 2008, the Massachusetts Attorney General filed a lawsuit in the Superior Court of Suffolk County, Massachusetts (Case <font style="white-space: nowrap;" class="_mt">No. 08-2474-BLS)</font> styled <i>Commonwealth of Massachusetts v. H&R Block, Inc., et al., </i>alleging unfair, deceptive and discriminatory origination and servicing of mortgage loans and seeking equitable relief, disgorgement of profits, restitution and statutory penalties. In November 2008, the court granted a preliminary injunction limiting the ability of the owner of SCC's former loan servicing business to initiate or advance foreclosure actions against certain loans originated by SCC or its subsidiaries without (1) advance notice to the Massachusetts Attorney General and (2) if the Attorney General objects to foreclosure, approval by the court. An appeal of the preliminary injunction was denied. A portion of our loss contingency accrual is related to this matter for the amount of loss that we consider probable and estimable. We do not believe losses in excess of our accrual would be material to our financial statements, although it is possible that our losses could exceed the amount we have accrued. We and SCC believe we have meritorious defenses to the claims presented and intend to </div></div> <div style="width: 87%; margin-left: 6%;"> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 0pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><font style="font-size: 9pt;" class="_mt">defend them vigorously. There can be no assurances, however, as to the outcome of this matter or its impact on our consolidated results of operations. </font></div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 <i>Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al. </i>against multiple defendants, including various SCC related entities and H&R Block, Inc. related entities, arising out of Federal Home Loan Bank's (FHLB's) purchase of mortgage-backed securities. Plaintiff asserts claims for 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 $<font class="_mt">50</font> million, of which approximately $<font class="_mt">42</font> million remains outstanding. 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 the claims in this case are without merit and we intend to defend them vigorously. There can be no assurances, however, as to its outcome or its impact on our consolidated results of operations. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">OTHER CLAIMS AND LITIGATION</font></b> – We have been named in several wage and hour class action lawsuits throughout the country, including <i>Alice Williams v. H&R Block Enterprises LLC</i>, Case No.RG08366506 (Superior Court of California, County of Alameda, filed January 17, 2008) (alleging improper classification of office managers in California); <i>Arabella Lemus v. H&R Block Enterprises LLC, et al., </i>Case <font style="white-space: nowrap;" class="_mt">No. CGC-09-489251</font> (United States District Court, Northern District of California, filed June 9, 2009) (alleging failure to timely pay compensation to tax professionals in California and to include itemized information on wage statements); <i>Delana Ugas v. H&R Block Enterprises LLC, et al., </i>Case No. BC417700 (United States District Court, Central District of California, filed July 13, 2009) (alleging failure to compensate tax professionals in California and eighteen other states for all hours worked and to provide meal periods); and <i>Barbara Petroski v. H&R Block Eastern Enterprises, Inc., et al., </i>Case <font style="white-space: nowrap;" class="_mt">No. 10-CV-00075</font> (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 <i>Lemus </i>case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010) and in the <i>Williams </i>case in March 2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011). A conditional class was certified in the <i>Petroski </i>case in March 2011 (consisting of tax professionals who were not compensated for certain training courses occurring on or after April 15, 2007). </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 California 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. For those wage and hour class action lawsuits for which we are able to estimate a range of possible loss, the current estimated range is $<font class="_mt">0</font> to $<font class="_mt">70</font> million in excess of the accrued liability related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment and a variety of assumptions and uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. Because this estimated range does not include matters for which an estimate is not possible, the range does not represent our maximum loss exposure for the wage and hour class action lawsuits. We believe we have meritorious defenses to the claims in these lawsuits and intend to defend them vigorously. The amounts claimed in these matters are substantial in some instances and the ultimate liability with respect to these matters is difficult to predict. There can be no assurances as to the outcome of these cases or their impact on our consolidated results of operations, individually or in the aggregate. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In October 2010, we signed a definitive merger agreement to acquire all of the outstanding shares of 2SS Holdings, Inc. ("2SS"), developer of TaxACT digital tax preparation solutions, for $<font class="_mt">287.5</font> million in cash. In May 2011, the United States Department of Justice (the "DOJ") filed a civil antitrust lawsuit in the U.S. district court in Washington, D.C., (Case No. 1:11-cv-00948) against H&R Block and 2SS styled <i>United States v. H&R Block, Inc., 2SS Holdings, Inc., and TA IX L.P.</i>, to block our proposed acquisition of 2SS. There are no assurances that the DOJ's lawsuit will be resolved in our favor or that the transaction will be consummated. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">In addition, we are from time to time party to investigations, claims and lawsuits not discussed herein arising out of our business operations. These investigations, claims and lawsuits include actions by state attorneys general, other state regulators, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others similarly situated. 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 </div></div> <div style="width: 87%; margin-left: 6%;"> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <div style="margin-top: 0pt; font-size: 1pt;"> </div> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 results of operations. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">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 results of operations.</div></div>

<div class="MetaData"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="10" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s, except per share amounts) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Apr 30, 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jan 31, 2011 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Oct 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jul 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,325,451</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 851,482</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 322,889</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 274,474</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1,076,910</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(17,449</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(175,119</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(207,317</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>257,620</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>418,680</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,074</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(68,307</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(79,679</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>419,405</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>658,230</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(4,375</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(106,812</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(127,638</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(13,295</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>331</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(8,346</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(2,237</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(3,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>406,110</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>658,561</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(12,721</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(109,049</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(130,681</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Basic earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.40</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>—</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.03</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.31</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.15</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.36</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.41</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Diluted earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.14</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.35</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.40</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>—</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.03</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.01</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>1.31</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.14</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.04</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.36</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(0.41</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="25"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <p> </p> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="32%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="10%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="8%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="4%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Fiscal Year 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Apr 30, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jan 31, 2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Oct 31, 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Jul 31, 2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="24" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Revenues </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 2,337,894 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 934,852 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 326,081 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">275,505 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income (loss) from continuing operations before taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,110,410 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">97,451 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (212,853 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> (210,873 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Income taxes (benefit) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">295,189 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">417,978 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">43,848 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(86,381 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(80,256 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">488,946 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">692,432 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">53,603 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(126,472 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(130,617 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(9,704 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(1,604 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,968 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(2,115 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(3,017 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">479,242 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">690,828 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">50,635 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(128,587 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(133,634 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Basic earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.47 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.16 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.03 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.44 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Diluted earnings (loss) per share: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) from continuing operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.46 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.11 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.16 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.39 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net loss from discontinued operations </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.03 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">— </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.01 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Net income (loss) </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1.43 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.10 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.15 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(0.40 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="23" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><br /></td></tr></table></div>

<div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="38%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="7%"> </td> <td width="1%" align="right"> </td> <td width="13%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 2pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Options – management and director: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>28.98</b>% - 30.20%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">27.11% - 27.27% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">23.41% - 25.20% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5 years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>4.18</b>% - 5.17%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.24% - 3.55% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.35% - 3.04% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>1.26</b>% - 1.92%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.38% - 2.75% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.54% - 3.26% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.25</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.27 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.80 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">Options – seasonal:<sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33.81% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">25.35% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.48% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.80% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.85% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.54% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.70 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.83 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;">ESPP options: </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected volatility </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 22.75% - 23.31%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 23.68% - 43.20% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 29.13% - 43.82% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Expected term </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>0.5</b>years</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.5 years </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Dividend yield </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>3.86</b>% - 4.80%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.65% - 3.46% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2.67% - 2.78% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Risk-free interest rate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b><b>0.19</b>% - 0.23%</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.20% - 0.33% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">0.27% - 2.13% </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Weighted-average fair value </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2.16</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3.66 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4.38 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"> </div> <table class="MetaData" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="1%"> </td> <td width="99%"> </td></tr> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" valign="top"><td><sup style="font-size: 85%; vertical-align: top;"><font style="font-family: Arial, Helvetica;" class="_mt">(1)</font></sup><font style="font-family: Arial, Helvetica;" class="_mt">  </font></td> <td class="MetaData" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">This plan was terminated in fiscal year 2010, except for outstanding awards thereunder. </font></td></tr></table></div></div>

<div style="width: 87%; margin-left: 6%;"> <div style="width: 87%; margin-left: 6%;"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" valign="top"><td style="width: 88px;"><b><font style="font-family: Arial, Helvetica;" class="_mt">NOTE 21:</font></b></td> <td align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">SEGMENT INFORMATION</font></b> </td></tr></table> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Management has determined the reportable segments identified below according to types of services offered and the manner in which operational decisions are made. Operating results of our reportable segments are all seasonal. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">TAX SERVICES</font></b> – Our Tax Services segment is primarily engaged in providing tax return preparation and related services and products in the U.S. and its territories, Canada and Australia. Major revenue sources include fees earned for tax preparation services performed at company-owned retail tax offices, royalties from franchise retail tax offices, fees for tax-related services, sales of tax preparation software, online tax preparation fees, fees from refund anticipation checks (RACs), prior year participation in RALs, fees from activities related to H&R Block Prepaid Emerald MasterCard<sup style="font-size: 85%; vertical-align: text-top;">®</sup>, and interest and fees from Emerald Advance lines of credit. HRB Bank also offers traditional banking services including checking and savings accounts, individual retirement accounts and certificates of deposit. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Our international operations contributed $<font class="_mt">205.8</font> million, $<font class="_mt">190.9</font> million and $<font class="_mt">160.7</font> million in revenues for fiscal years 2011, 2010 and 2009, respectively, and $<font class="_mt">46.2</font> million, $<font class="_mt">46.7</font> million and $<font class="_mt">31.6</font> million of pretax income, respectively. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">BUSINESS SERVICES</font></b> – This segment offers tax and consulting services, wealth management, and capital markets services to middle-market companies in offices located throughout the U.S. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">CORPORATE</font></b> – This segment's operations include interest income from U.S. passive investments, interest expense on borrowings, net interest margin and gains or losses relating to mortgage loans held for investment, real estate owned, residual interests in securitizations and other corporate expenses, principally related to finance, legal and other support departments. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left"><b><font style="font-family: Arial, Helvetica;" class="_mt">IDENTIFIABLE ASSETS</font></b> – Identifiable assets are those assets, including goodwill and intangible assets, associated with each reportable segment. The remaining assets are classified as Corporate assets, which consist primarily of cash and marketable securities. The carrying value of assets held outside the U.S. totaled $<font class="_mt">206.3</font> million, $<font class="_mt">166.8</font> million and $<font class="_mt">126.8</font> million at April 30, 2011, 2010 and 2009, respectively. </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">Information concerning the Company's operations by reportable segment is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;"> </div> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 8pt;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="50%"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="10%"> </td> <td width="1%" align="right"> </td> <td width="7%" align="right"> </td> <td width="1%" align="left"> </td> <td width="1%"> </td> <td width="1%" align="right"> </td> <td width="1%" align="right"> </td> <td width="1%" align="left"> </td></tr> <tr style="font-size: 6pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 1pt;"> </div></td> <td>  </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica;" class="_mt">Year Ended April 30, </font></td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><b><font style="font-family: Arial, Helvetica;" class="_mt">2011</font></b> </td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2010 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">2009 </font></td> <td>  </td> <td>  </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">  </td> <td>  </td></tr> <tr style="font-size: 2pt;" valign="bottom" align="center"><td valign="bottom" colspan="16" align="right"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td> <td>  </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>REVENUES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b> 2,912,361</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 2,975,252 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"> 3,132,077 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>829,794</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">860,349 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">897,809 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>32,141</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">38,731 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">53,691 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,774,296</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">3,874,332 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">4,083,577 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE TAXES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>767,498</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">867,362 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">927,048 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>49,003</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">58,714 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">96,097 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>(139,476</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>)</b> </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(141,941 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">(183,775 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">) </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>677,025</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">784,135 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">839,370 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>DEPRECIATION AND AMORTIZATION :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>87,666</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">88,523 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">79,415 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>30,692</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">33,064 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,748 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>3,275</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,314 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,468 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>121,633</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">126,901 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">123,631 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>CAPITAL EXPENDITURES :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43,043</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">78,108 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">76,305 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>19,873</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">12,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">21,185 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>43</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">89 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">390 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>62,959</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">90,515 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">97,880 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="line-height: 6pt;" valign="bottom"><td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td> <td>  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -8pt; margin-left: 8pt;"><b>IDENTIFIABLE ASSETS :</b> </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Tax Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,267,236</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,279,161 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,117,475 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Business Services </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>851,764</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">806,688 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">897,250 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"> <div style="text-indent: -8pt; margin-left: 16pt;">Corporate </div></td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>2,088,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,148,469 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">2,344,997 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div></td></tr> <tr style="background: #cceeff;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left"><b>$</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right"><b>5,207,961</b> </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,234,318 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">5,359,722 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td></tr> <tr style="font-size: 2pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">  </td> <td>  </td> <td style="font-family: Arial, Helvetica;" valign="bottom" colspan="15"> <div style="border-bottom: #000000 1pt solid; width: 100%; margin-left: 0%; font-size: 3pt;"> </div><b><br /></b></td></tr></table></div></div>

4083577000

897809000

53691000

3132077000

3874332000

860349000

38731000

2975252000

3774296000

829794000

32141000

2912361000

648490000

66230000

-552000

582812000

631499000

36946000

-93000

594646000

694136000

31914000

662222000

398941000

599664000

399177000

599788000

29600000

26557000

29369000

14500000

232000

17.61

745000

12.56

1619000

1500000

19.55

15.92

632000

21100000

15500000

13000000

20.20

0.0280

0.0348

0.5

0.2535

0.3381

0.4382

0.2520

0.4320

0.2727

0.2331

0.3020

0.2913

0.2341

0.2368

0.2711

0.2275

0.2898

0.0254

0.0085

0.0213

0.0326

0.0033

0.0275

0.0023

0.0192

0.0027

0.0254

0.0020

0.0238

0.0019

0.0126

11500000

33000000

5400000

1800000

10.64

6034000

22.17

2080000

13.29

4.38

3.80

2.83

3.66

3.27

2.70

2.16

2.25

9224000

15082000

10790000

20.58

18.64

8666000

10650000

18.71

1318000

8122000

19.95

435891000

-109880000

444177000

-110075000

431391000

-108085000

412441000

-107075000

<div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div style="font-family: 'Times New Roman',Times,serif;"> <div style="margin-top: 6pt; font-size: 10pt;" align="left"> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">NOTE 1:  </font></b></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></b></p></td></tr></table></div> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">NATURE OF OPERATIONS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Our operating subsidiaries provide a variety of services to the general public, principally in the United States (U.S.). Specifically, we offer: tax return preparation; tax and consulting services to business clients; certain retail banking services and tax preparation and related software. Tax preparation services are also provided in Canada and Australia. Our Tax Services segment comprised <font class="_mt">77.2</font>% of our consolidated revenues from continuing operations for fiscal year 2011. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">PRINCIPLES OF CONSOLIDATION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> The consolidated financial statements include the accounts of the Company and our wholly-owned subsidiaries. Intercompany transactions and balances have been eliminated. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Some of our subsidiaries operate in regulated industries and their underlying accounting records reflect the policies and requirements of these industries. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MANAGEMENT ESTIMATES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> The preparation of financial statements in conformity with generally accepted accounting principles (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending litigation, fair value of reporting units, 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. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CONCENTRATIONS OF RISK </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> The overall credit quality of our mortgage loans held for investment is impacted by the strength of the U.S. economy and local economies. 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 <font class="_mt">59</font>% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California, New York and Wisconsin. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CASH AND CASH EQUIVALENTS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Cash and cash equivalents include cash on hand, cash due from banks and federal funds sold. For purposes of the consolidated balance sheets and consolidated statements of cash flows, all non-restricted highly liquid instruments purchased with an original maturity of three months or less are considered to be cash equivalents. We present cash flow activities utilizing the indirect method. Book overdrafts included in accounts payable totaled $<font class="_mt">38.8</font> million and $<font class="_mt">35.9</font> million at April 30, 2011 and 2010, respectively. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">CASH AND CASH EQUIVALENTS – RESTRICTED </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Cash and cash equivalents — restricted consists primarily of cash held by H&R Block Bank (HRB Bank) required for regulatory compliance and cash held by our captive insurance subsidiary that will be used to pay claims. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">RECEIVABLES AND RELATED ALLOWANCES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Receivables consist primarily of accounts receivable from customers of our Business Services segment and receivables from tax clients for tax return preparation. The allowance for doubtful accounts for these receivables requires management's judgment regarding collectibility and current economic conditions to establish an amount considered by management to be adequate to cover estimated losses as of the balance sheet date. Business Services accounts receivable are charged-off primarily when we determine that the specific customer does not have the ability to repay the balance in full. Receivables from tax clients for tax return preparation are not specifically identified and charged off, but are evaluated on a pooled basis. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Our financing receivables consist primarily of mortgage loans held for investment, Emerald Advance lines of Credit (EAs), tax client receivables related to refund anticipation loans (RALs) and loans made to franchisees. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Emerald Advance lines of credit. </font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">EAs are offered to clients in tax offices from late November through mid-January, currently in an amount not to exceed $<font class="_mt">1,000</font>. If the borrower meets certain criteria as agreed in the loan terms, the line of credit can be increased and utilized year-round. These lines of credit are offered by HRB Bank. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on EAs is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or becomes delinquent. Loan commitment fees on EAs, net of related expenses, are initially deferred and recognized as revenue over the commitment period, which is typically two months. EAs balances are due on February 15th, and any amounts unpaid by that date are placed on non-accrual status. Payments on past due amounts are recorded as a reduction in the receivable balance. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We review the credit quality of these receivables based on pools, which are segregated by the year of origination. Specific bad debt rates are applied to each pool, as well as to those who maintain their loan year-round. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We determine our allowance for these receivables collectively, based on a review of receipts taking into consideration historical experience. These receivables are not specifically identified and charged-off, but are evaluated on a pooled basis. Initial bad debt rates also consider whether the loan was made to a new or repeat client. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. We adjust our allowance accordingly, with these adjustments reflected as bad debt expense. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Tax client receivables related to RALs. </font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Historically, RALs were offered in our US retail tax offices through a contractual relationship with HSBC Holdings plc (HSBC). We purchased a <font class="_mt">49.9</font>% participation interest in all RALs obtained through our retail offices. In December 2010, HSBC terminated its contract with us based on restrictions placed on HSBC by its regulator and RALs were not offered in our tax offices this tax season. In connection with the contract termination, we obtained the remaining rights to collect on the outstanding balances of RALs originated in years 2006 and later. All tax client receivables related to RALs outstanding at April 30, 2011 were originated prior to fiscal year 2011 and are past due. We do not accrue interest on these receivables. Payments on past due amounts are recorded as a reduction in the receivable balance. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We review the credit quality of these receivables based on pools, which are segregated by the year of origination, with specific bad debt rates applied to each pool. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">These receivables are not specifically identified and charged-off, but are evaluated on a pooled basis. At the end of each tax season the outstanding balances on these receivables are evaluated based on collections received and expected collections over subsequent tax seasons. We adjust our allowance accordingly, with these adjustments reflected as bad debt expense. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loans made to franchisees.</font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Interest income on loans made to franchisees is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or written off. Loans made to franchisees totaled $<font class="_mt">172.6</font> million at April 30, 2011, and consisted of $<font class="_mt">125.1</font> million in term loans made to finance the purchase of franchises and $<font class="_mt">47.5</font> million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs. The credit quality of these receivables is determined on a specific franchisee basis, taking into account the franchisee's credit score, their payment history on existing loans and operational amounts due to us, the loan-to-value ratio and debt-to-income ratio. Credit scores, loan-to-value and debt-to-income ratios are obtained at the time of underwriting. Payment history is monitored on a regular basis. We believe all loans to franchisees are of similar credit quality. Loans are evaluated for impairment when they become delinquent. Amounts deemed to be uncollectible are written off to bad debt expense and bad debt related to these loans has typically been insignificant. Additionally, the franchise office serves as collateral for the loan. In the event the franchisee is unable to repay the loans, we revoke their franchise rights, write off the remaining balance of the loans and assume control of the office. As of April 30, 2011, loans totaling $<font class="_mt">0.1</font> million were past due, however we had no loans to franchisees on non-accrual status. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MORTGAGE LOANS HELD FOR INVESTMENT </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Mortgage loans held for investment represent loans originated or acquired with the ability and current intent to hold to maturity. Loans held for investment are carried at amortized cost adjusted for charge-offs, net of allowance for loan losses, deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Loan fees and certain direct loan origination costs are deferred and the net fee or cost is recognized in interest income over the life of the related loan. Unearned income, premiums and discounts on purchased loans are amortized or accreted into income over the estimated life of the loan using methods that approximate the interest method based on assumptions regarding the loan portfolio, including prepayments adjusted to reflect actual experience. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We record an allowance representing our estimate of credit losses inherent in the loan portfolio at the balance sheet date. Loan recoveries and the provision for credit losses increase the allowance, while loan charge-offs decrease the allowance. A current assessment of the value of the loan's underlying collateral is made when the loan is no later than 60 days past due and any loan balance in excess of the value less costs to sell the property is included in the provision for credit losses. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We evaluate mortgage loans less than 60 days past due on a pooled basis and record a loan loss allowance for those loans in the aggregate. We stratify these loans based on our view of risk associated with various elements of the pool and assign estimated loss rates based on those risks. Loss rates consider both the rate at which loans will become delinquent (frequency) and the amount of loss that will ultimately be realized upon occurrence of a liquidation of collateral (severity), and are primarily based on historical experience and our assessment of economic and market conditions. </font></p> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Loans are considered impaired when we believe it is probable we will be unable to collect all principal and interest due according to the contractual terms of the note, or when the loan is 60 days past due. Impaired loans are reviewed individually and a specific loan loss allowance is recorded based on the fair value of the underlying collateral. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We classify loans as non-accrual when full and timely collection of interest or principal becomes uncertain, or when they are 90 days past due. Interest previously accrued, but not collected, is reversed against current interest income when a loan is placed on non-accrual status. Accretion of deferred fees is discontinued for non-accrual loans. Payments received on non-accrual loans are recognized as interest income when the loan is considered collectible and applied to principal when it is doubtful that all contractual payments will be collected. Loans are not placed back on accrual status until collection of principal and interest is reasonably assured as a result of the borrower bringing the loan into compliance with the contractual terms of the loan. Prior to restoring a loan to accrual status, management considers a borrower's prospects for continuing future contractual payments. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">From time to time, as part of our loss mitigation process, we may agree to modify the contractual terms of a borrower's loan. We have developed loan modification programs designed to help borrowers refinance adjustable-rate mortgage loans prior to rate reset or who may otherwise have difficulty making their payments. In cases where we modify a loan and in so doing grant a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (TDR). We may consider the borrower's payment status and history, the borrower's ability to pay upon a rate reset on an adjustable-rate mortgage, the size of the payment increase upon a rate reset, the period of time remaining prior to the rate reset and other relevant factors in determining whether a borrower is experiencing financial difficulty. A borrower who is current may be deemed to be experiencing financial difficulty in instances where the evidence suggests an inability to pay based on the original terms of the loan after the interest rate reset and, in the absence of a modification, may default on the loan. We evaluate whether the modification represents a concession we would not otherwise consider, such as a lower interest rate than what a new borrower of similar credit risk would be offered. A loan modified in a troubled debt restructuring, including a loan that was current at the time of modification, is placed on non-accrual status until we determine future collection of principal and interest is reasonably assured, which generally requires the borrower to demonstrate a period of performance according to the restructured terms. At the time of the modification, we record impairment for TDR loans equal to the difference between the principal balance of the loan and the present value of expected future cash flows discounted at the loan's effective interest rate. However, if we later assess that foreclosure of a modified loan is probable, we record impairment based on the estimated fair value of the underlying collateral. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">REAL ESTATE OWNED </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> 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. Subsequently, REO is carried at the lower of carrying value or fair value less costs to sell. 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. REO is included in prepaid expenses and other current assets in the consolidated balance sheets. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">INVESTMENTS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Investments include both available-for-sale marketable securities and investments held-to-maturity. These investments are included in other assets in the consolidated balance sheets. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Available-for-Sale.</font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Marketable securities we hold are classified as available-for-sale (AFS) and are reported at fair value. Unrealized gains and losses are calculated using the specific identification method and reported, net of applicable taxes, as a component of accumulated other comprehensive income. Realized gains and losses on the sale of these securities are determined using the specific identification method. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We monitor our AFS investment portfolio for impairment and consider many factors in determining whether the impairment is deemed to be other-than-temporary. These factors include, but are not limited to, the length of time the security has had a market value less than the cost basis, the severity of loss, our intent to sell, including regulatory or contractual requirements to sell, recent events specific to the issuer or industry, external credit ratings and recent downgrades in such ratings. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">For investments in mortgage-backed securities, amortization of premiums and accretion of discounts are recognized in interest income using the interest method, adjusted for anticipated prepayments where applicable. We update our estimates of expected cash flows periodically and recognize changes in calculated effective yields as appropriate. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Held-to-Maturity.</font></b><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Our investment in the stock of the Federal Home Loan Bank (FHLB) is carried at cost, as it is a restricted security, which is required to be maintained by HRB Bank for borrowing availability. The cost of the stock represents its redemption value, as there is no ready market value. </font></p> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">PROPERTY AND EQUIPMENT </font></b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Buildings and equipment are initially recorded at cost and are depreciated over the estimated useful life of the assets using the straight-line method. Leasehold improvements are initially recorded at cost and are amortized over the lesser of the term of the respective lease or the estimated useful life, using the straight-line method. Estimated useful lives are <font class="_mt">15</font> to <font class="_mt">40</font> years for buildings, <font class="_mt">3</font> to <font class="_mt">5</font> years for computers and other equipment and up to <font class="_mt">8</font> years for leasehold improvements. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We capitalize certain allowable costs associated with software developed or purchased for internal use. These costs are typically amortized over <font class="_mt">36</font> months using the straight-line method. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Substantially all of the operations of our subsidiaries are conducted in leased premises. For all lease agreements, including those with escalating rent payments or rent holidays, we recognize rent expense on a straight-line basis. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">INTANGIBLE ASSETS AND GOODWILL </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We test goodwill and other indefinite-life intangible assets for impairment annually or more frequently, whenever events occur or circumstances change which would, more likely than not, reduce the fair value of a reporting unit below its carrying value. The first step of the impairment test is to compare the estimated fair value of the reporting unit to its carrying value. If the carrying value is less than fair value, no impairment exists. If the carrying value is greater than fair value, a second step is performed to determine the fair value of goodwill and the amount of impairment loss, if any. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">In addition, long-lived assets, including intangible assets with finite lives, are assessed for impairment whenever events or circumstances indicate the carrying value may not be fully recoverable by comparing the carrying value to future undiscounted cash flows. Impairment is recorded for long-lived assets determined not to be fully recoverable equal to the excess of the carrying amount of the asset over its estimated fair value. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We recorded a $<font class="_mt">22.7</font> million goodwill impairment related to our RedGear reporting unit within our Tax Services segment in fiscal year 2011. We recorded a $<font class="_mt">15.0</font> million goodwill impairment related to our RSM EquiCo, Inc. (RSM EquiCo) reporting unit within our Business Services segment in fiscal year 2010 and a $<font class="_mt">2.2</font> million goodwill impairment for a reporting unit within our Tax Services segment in fiscal year 2009. No material impairment adjustments to other intangible assets or other long-lived assets of continuing operations were made during the three-year period ended April 30, 2011. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <div><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">The weighted-average life of intangible assets with finite lives is <font class="_mt">26</font> years. Intangible assets are typically amortized over the estimated useful life of the assets using the straight-line method </font></div> <div> </div> <div class="MetaData"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">COMMERCIAL PAPER </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> During the year we issued commercial paper to finance temporary liquidity needs and various financial activities. There was no commercial paper outstanding at April 30, 2011 or 2010. </font></font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> </font></div> <div><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">MORTGAGE LOAN REPURCHASE LIABILITY </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> In connection with the securitization and sale of loans, Sand Canyon Corporation (SCC) made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of lien securing the loan, and the loan's compliance with SCC's underwriting criteria. Representations and warranties in whole loan sale transactions to institutional investors included a "knowledge qualifier" which limits SCC liability for borrower fraud to those instances where SCC had knowledge of the fraud at the time the loans were sold. 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, SCC may be obligated to repurchase a loan or otherwise indemnify certain parties for losses incurred as a result of loan liquidation. Generally, these representations and warranties are not subject to a stated term, but would be subject to statutes of limitation applicable to the contractual provisions. </font></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">SCC estimates losses relating to representation and warranty claims by estimating loan repurchase and indemnification obligations on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a combination of reviewing repurchase demands and actual defaults and loss severities, inquiries from various third-parties, the terms and provisions of related agreements and the historical rate of repurchase and indemnification obligations related to breaches of representations and warranties. SCC's methodology for calculating this liability considers the likelihood that individual counterparties will assert future claims. The repurchase liability is included in accounts payable, accrued expenses and other current liabilities on our consolidated balance sheets. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">LITIGATION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> It is our policy to routinely assess the likelihood of any adverse judgments or outcomes related to legal matters, as well as ranges of probable losses. A determination of the amount of the reserves required, if any, for these contingencies is made after analysis of each known issue and an analysis of historical experience. We record reserves related to certain legal matters for which we believe it is probable that a loss will be incurred and the range of such loss can be estimated. With respect to other matters, management has concluded that a loss is only reasonably possible or remote, or not estimable and, therefore, no liability is recorded. Management discloses the facts regarding material matters, and potential exposure if determinable, for losses assessed as reasonably possible to occur. Costs incurred with defending claims are expensed as incurred. Any receivable for insurance recoveries is recorded separately from the corresponding litigation reserve, and only if recovery is determined to be probable. </font></p> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">INCOME TAXES </font></b><font style="line-height: 115%; font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We account for income taxes under the asset and liability method, which requires us to record deferred income tax assets and liabilities for future tax consequences attributable to differences between the financial statement carrying value of existing assets and liabilities and their respective tax basis. Deferred taxes are determined separately for each tax-paying component within each tax jurisdiction based on provisions of enacted tax law. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Our deferred tax assets include capital loss and state and foreign tax loss carry-forwards and are reduced by a valuation allowance if, based on available evidence, it is more likely than not that some portion or all of the deferred tax assets will not be realized. Our current deferred tax assets are included in prepaid expenses and other current assets in the consolidated balance sheets. Noncurrent deferred tax assets are included in other assets on our consolidated balance sheets. Noncurrent deferred tax liabilities are included in other noncurrent liabilities on our consolidated balance sheets. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We evaluate the sustainability of each uncertain tax position based on its technical merits. If we determine it is more likely than not a tax position will be sustained based on its technical merits, we record the impact of the position in our consolidated financial statements at the largest amount that is greater than fifty percent likely of being realized upon ultimate settlement. We record no tax benefit for tax positions where we have concluded it is not more likely than not to be sustained. Differences between a tax position taken or expected to be taken in our tax returns and the amount of benefit recognized and measured in the financial statements result in unrecognized tax benefits, which are recorded in the balance sheet as either a liability for unrecognized tax benefits or reductions to recorded tax assets, as applicable. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We file a consolidated federal tax return on a calendar year basis and state tax returns on a consolidated or combined basis, as permitted by authorities. We report interest and penalties as a component of income tax expense. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">TREASURY SHARES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Shares of common stock repurchased by us are recorded, at cost, as treasury shares and result in a reduction of stockholders' equity. We reissue treasury shares as part of our stock-based compensation programs or for acquisitions. When shares are reissued, we determine the cost using the average cost method. Periodically, we may permanently retire shares held in treasury as determined by our Board of Directors. </font></p> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr></table></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">REVENUE RECOGNITION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Service revenues consist primarily of fees for preparation and filing of tax returns, both in offices and through our online programs, fees associated with our Peace of Mind (POM) guarantee program and fees for consulting services. Service revenues are recognized in the period in which the service is performed as follows: </font></p> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Retail and online tax preparation revenues are recorded when a completed return is filed or accepted by the customer. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">POM revenues are deferred and recognized over the term of the guarantee, based on historical and actual payment of claims. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenues for services rendered in connection with the Business Services segment include fees based on time and materials, which are recognized as the services are performed and amounts are earned. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenues associated with our H&R Block Prepaid Emerald MasterCard</font><sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">®</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> program consist of interchange income from the use of debit cards and fees from the use of ATM networks. Interchange income is a fee paid by a merchant bank to the card-issuing bank through the interchange network, and is based on cardholder purchase volumes. Interchange income is recognized as earned. </font></p></td></tr></table></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Product and other revenues in the current year include royalties from franchisees and sales of software products, and are recognized as follows: </font></p> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Upon granting of a franchise, franchisees pay a refundable deposit generally in the amount of $<font class="_mt">2,500</font>, but pay no initial franchise fee. We record the payment as a deposit liability and recognize no revenue in connection with the initial granting of a franchise. Franchise royalties, which are based on contractual percentages of franchise revenues, are recorded in the period in which the franchise provides the service. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Software revenues consist mainly of tax preparation software. Revenue from the sale of software such as H&R Block At Home</font><sup><font style="font-variant: small-caps; font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">tm</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> is recognized when the product is sold to the end user, either through retail, online or other channels. Rebates, slotting fees and other incentives paid in connection with these sales are recorded as a reduction of revenue. Revenue from the sale of TaxWorks</font><sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 8.5pt;" class="_mt">®</font></sup><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> software is deferred and recognized over the period for which upgrades and support are provided to the customer. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">In fiscal years 2010 and 2009, loan participation revenue was recognized over the life of the loan. </font></p></td></tr></table></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income consists primarily of interest earned on mortgage loans held for investment and EAs and is recognized as follows: </font></p> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on mortgage loans held for investment includes deferred origination fees and costs and purchase discounts and premiums, which are amortized to income over the life of the loan using the interest method. </font></p></td></tr></table></div> <div> <table style="line-height: 115%; width: 100%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td style="padding-bottom: 0in; padding-left: 0in; width: 1%; padding-right: 0in; padding-top: 0in;" width="1%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 3%; padding-right: 0in; padding-top: 0in;" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 0in; width: 96%; padding-right: 0in; padding-top: 0in;" width="96%"> </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Interest income on EAs is calculated using the average daily balance method and is recognized based on the principal amount outstanding until the outstanding balance is paid or written-off. </font></p></td></tr> <tr><td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: Wingdings; color: black; font-size: 10pt;" class="_mt">§</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">  </font></p></td> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;" valign="top"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Loan commitment fees, net of related expenses, are initially deferred and recognized as revenue over the commitment period. </font></p></td></tr></table></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <div><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">Revenue recognition is evaluated separately for each unit in multiple-deliverable arrangements. Sales tax we collect and remit to taxing authorities is recorded net in our consolidated income statements </font></div> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">ADVERTISING EXPENSE </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Advertising costs for radio and television ads are expensed the first time the advertisement takes place, with print and mailing advertising expensed as incurred. Total advertising costs of continuing operations for fiscal years 2011, 2010 and 2009 totaled $<font class="_mt">264.2</font> million, $<font class="_mt">254.8</font> million and $<font class="_mt">249.2</font> million, respectively. </font></p></div> <div><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">GAINS ON SALES OF TAX OFFICES </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We periodically sell company-owned tax offices to franchisees. These sales can be financed by franchisees through loans offered by an affiliated company, which we consolidate. Gains are recorded upon determination that collection of the sales proceeds is reasonably assured. Gains are initially deferred when they are financed with these loans and are recognized after minimum payments and equity thresholds are met. Gains are reported in operating income due to their recurring nature, and are included as a reduction of selling, general and administrative expenses in our consolidated income statements. </font></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">EMPLOYEE BENEFIT PLANS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> We have 401(k) defined contribution plans covering all full-time and seasonal employees following the completion of an eligibility period. Contributions of our continuing operations to these plans are discretionary and totaled $<font class="_mt">22.3</font> million, $<font class="_mt">24.0</font> million and $<font class="_mt">26.7</font> million for fiscal years 2011, 2010 and 2009, respectively. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">We have a severance policy covering all regular full-time or part-time active employees for involuntary separation from the company. In May 2010 we announced plans to realign field and support organizations. The realignment included approximately <font class="_mt">400</font> staff reductions. Associated severance benefits were recorded primarily during the first fiscal quarter of 2011 and totaled $<font class="_mt">29.6</font> million. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <div><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">FOREIGN CURRENCY TRANSLATION </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Assets and liabilities of foreign subsidiaries are translated into U.S. dollars at exchange rates prevailing at the end of the year. Revenues and expenses of our foreign operations are translated at the average exchanges rates in effect during the fiscal year. Translation adjustments are recorded as a separate component of other comprehensive income in stockholders' equity.</font></div> <div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"> </p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">COMPREHENSIVE INCOME </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> Our comprehensive income is comprised of net income, foreign currency translation adjustments and the change in net unrealized gains or losses on AFS marketable securities. Included in stockholders' equity at April 30, 2011 and 2010, the net unrealized holding gain on AFS securities was $<font class="_mt">0.5</font> million and $<font class="_mt">0.3</font> million, respectively, and the foreign currency translation adjustment was $<font class="_mt">10.8</font> million and $<font class="_mt">1.3</font> million, respectively. </font></p></div> <div><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">NEW ACCOUNTING STANDARDS </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> In April 2011, the Financial Accounting Standards Board (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. This guidance is effective beginning with our fiscal year 2012. As a result of applying this guidance, we may identify loans that are newly considered impaired, however we believe this guidance will not have a material effect on our consolidated financial statements. </font></div> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">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 multiple-deliverable revenue arrangements. This guidance is effective prospectively for revenue arrangements entered into or materially modified beginning with our fiscal year 2012. We believe this guidance will not have a material effect on our consolidated financial statements. </font></p> <p style="line-height: 115%; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">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 </font><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 9pt;" class="_mt">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. This guidance is effective beginning with our fiscal year 2012. We believe this guidance will not have a material effect on our consolidated financial statements. </font><font style="line-height: 115%; font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">STANDARDS IMPLEMENTED </font></b><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">–</font><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt"> In July 2010 the FASB issued Accounting Standards Update 2010-20, "Disclosures About Credit Quality of Financing Receivables and Allowance for Credit Losses." This guidance requires enhanced disclosures about the allowance for credit losses and the credit quality of financing receivables and would apply to financing receivables held by all creditors. The requirements for period end disclosures are effective beginning with the first interim or annual reporting period ending after December 15, 2010. The requirements for activity-based disclosures were effective for our fourth quarter. The new disclosures are included in notes 1, 5 and 6. The requirements for TDR disclosures are effective for our first quarter of fiscal year 2012. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">In June 2009, the FASB issued revised authoritative guidance associated with the consolidation of variable interest entities (VIEs). The revised guidance replaced the previous quantitative-based assessment for determining whether an enterprise is the primary beneficiary of a VIE and focuses primarily on a qualitative assessment. This assessment requires identifying the enterprise that has (1) the power to direct the activities of the VIE that can most significantly impact the entity's performance; and (2) the obligation to absorb losses and the right to receive benefits from the VIE that could potentially be significant to such entity. The revised guidance also requires that the enterprise continually reassess whether it is the primary beneficiary of a VIE rather than conducting a reassessment only upon the occurrence of specific events. We implemented this guidance on May 1, 2010 and evaluated our financial interests to determine if we had interests in VIEs and if we are the primary beneficiary of the VIE. See note 17 for additional information on our VIEs. </font></p> <p style="line-height: normal; text-indent: 6.1pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; color: black; font-size: 10pt;" class="_mt">In June 2009, the FASB issued guidance, under Topic 860 — Transfers and Servicing. This guidance requires more disclosure about transfers of financial assets, including securitization transactions, and where entities have continuing exposure to the risks related to transferred financial assets. It eliminates the concept of a qualifying special purpose entity and changes the requirements for derecognizing financial assets. We adopted this guidance as of May 1, 2010 and it did not have a material effect on our consolidated financial statements.</font></p></div></div></div></div>

17000000

987818000

2486000

695959000

4359000

2384449000

-2099435000

1405859000

-11639000

836477000

4442000

2671437000

-2094858000

1440630000

93831000

1678000

832604000

-3276597000

4314000

1440630000

2658586000

3182766000

-2056552000

1449574000

-191399000

11233000

812666000

-2699555000

4124000

1449574000

2658103000

2890954000

-2036552000

<strong><font style="font-family: Arial;" class="_mt">NOTE 13: STOCKHOLDERS' EQUITY</font></strong> <div style="text-indent: 0px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">During fiscal year 2011, we purchased and immediately retired <font class="_mt">19.0</font> million shares of our common stock at a cost of $279.9 million. During fiscal year 2010, we purchased and immediately retired <font class="_mt">12.8</font> million shares of our common stock at a cost of $250.0 million. We may continue to repurchase and retire common stock or retire shares held in treasury in the future. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">On October 27, 2008, we sold <font class="_mt">8.3</font> million shares of our common stock, without par value, at a price of $<font class="_mt">17.50</font> per share in a registered direct offering through subscription agreements with selected institutional investors. We received net proceeds of $<font class="_mt">141.4</font> million, after deducting placement agent fees and other offering expenses. Proceeds were used for general corporate purposes. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We are authorized to issue <font class="_mt">6.0</font> million shares of Preferred Stock without par value. At April 30, 2011, we had <font class="_mt">5.6</font> million shares of authorized but unissued Preferred Stock. Of the unissued shares, <font class="_mt">0.6</font> million shares have been designated as Participating Preferred Stock. </div> <div style="text-indent: 8px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 0%; font-size: 10pt; margin-right: 0%;" align="left">We are authorized to issue <font class="_mt">0.5</font> million shares of non-voting Preferred Stock designated as Convertible Preferred Stock without par value. At April 30, 2011, we had <font class="_mt">0.5</font> million shares of authorized but unissued Convertible Preferred Stock. The holders of the Convertible Preferred Stock are not entitled to receive dividends paid in cash, property or securities and, in the event of any dissolution, liquidation or <font style="white-space: nowrap;" class="_mt">wind-up</font> of the Company, will share ratably with the holders of Common Stock then outstanding in the assets of the Company after any distribution or payments are made to the holders of Participating Preferred stock or the holders of any other class or series of stock of the Company with preference over the Common Stock. </div>

8000

292000

266000

269000

8300000

4481000

1293000

338000

339000

188000

25000

163000

5154000

-423000

5577000

4134000

-924000

5058000

3337000

-1784000

5121000

73000000

-12624000

85624000

13776000

-10840000

24616000

-1893000

-8332000

6439000

12800000

12786000

19000000

18950000

250003000

7672000

128000

242203000

279947000

11370000

190000

268387000

413074000

399187000

24909000

26220000

0.015

0.249

0.228

413074000

399187000

199272000

209758000

0.120

83030000

87399000

0.050

0.249

0.228

413074000

399187000

33327000

26264000

0.060

0.744

0.912

1000

6000

3105000

16000

420589000

390213000

6079000

3717000

12479000

7939000

7303000

21664000

11678000

65171000

19341000

16463000

5991000

246000

230000

2056552000

2036552000

106189000

4247000

3588000

5256000

4121000

137608000

124605000

129767000

154848000

-6096000

-2427000

-1473000

-18189000

-8545000

-7639000

15400000

4100000

4400000

4110000

3314000

3417000

14541000

12957000

28262000

-5007000

-1061000

-315000

107000000

106800000

117600000

6700000

45800000

9500000

126300000

10300000

94800000

1752000

953000

547000

334539000

333236000

309777000

332787000

332283000

309230000

Estimated life of 7 years. At April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months. At April 30, 2010, investments with a cost of $15.7 million and gross unrealized losses of $1.9 million had been in a continuous loss position for more than twelve months. Estimated life of 18 years. Represents the benefits to be received from the Alternative Practice Structure arrangement and affiliation with attest clients. Estimated life of 12 years. Total risk-based capital divided by risk-weighted assets. No loans past due 90 days or more are still accruing interest. This plan was terminated in fiscal year 2010, except for outstanding awards thereunder. 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.